LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,111
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,043
−HK$1,963/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$70,022
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,012/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,098
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$1,880/mo
Today · 4.125%
HK$72,831
baseline
▲ 0.50% · 4.625%
HK$76,670
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,662/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,533
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,851
−HK$2,356/mo
Today · 4.125%
HK$79,207
baseline
▲ 0.50% · 4.625%
HK$84,026
+HK$4,819/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,414/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,917
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,256/mo
Today · 4.125%
HK$87,397
baseline
▲ 0.50% · 4.625%
HK$92,004
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,794/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,955
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,660
−HK$2,748/mo
Today · 4.125%
HK$92,408
baseline
▲ 0.50% · 4.625%
HK$98,031
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,816/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,737
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,331
−HK$2,632/mo
Today · 4.125%
HK$101,963
baseline
▲ 0.50% · 4.625%
HK$107,338
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,926/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,799
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,277
−HK$3,533/mo
Today · 4.125%
HK$118,810
baseline
▲ 0.50% · 4.625%
HK$126,039
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,620/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,376
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,711
−HK$3,384/mo
Today · 4.125%
HK$131,095
baseline
▲ 0.50% · 4.625%
HK$138,005
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,190/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,636 · Scale 2, in force from 26 Feb 2026)