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$1,157,643 · 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$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,533
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,852
−HK$2,355/mo
Today · 4.125%
HK$79,207
baseline
▲ 0.50% · 4.625%
HK$84,027
+HK$4,820/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$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,918
−HK$4,479/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$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,956
−HK$5,452/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$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,737
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,332
−HK$2,632/mo
Today · 4.125%
HK$101,964
baseline
▲ 0.50% · 4.625%
HK$107,338
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,928/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,800
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,278
−HK$3,533/mo
Today · 4.125%
HK$118,811
baseline
▲ 0.50% · 4.625%
HK$126,040
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,622/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,376
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,712
−HK$3,384/mo
Today · 4.125%
HK$131,096
baseline
▲ 0.50% · 4.625%
HK$138,006
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,192/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,643 · Scale 2, in force from 26 Feb 2026)