LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,111
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,962/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$70,023
+HK$4,017/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$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,098
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,952
−HK$1,880/mo
Today · 4.125%
HK$72,832
baseline
▲ 0.50% · 4.625%
HK$76,671
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,664/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,534
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,852
−HK$2,356/mo
Today · 4.125%
HK$79,208
baseline
▲ 0.50% · 4.625%
HK$84,027
+HK$4,819/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,416/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,918
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,142
−HK$2,256/mo
Today · 4.125%
HK$87,398
baseline
▲ 0.50% · 4.625%
HK$92,005
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,796/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,956
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,661
−HK$2,748/mo
Today · 4.125%
HK$92,409
baseline
▲ 0.50% · 4.625%
HK$98,032
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,818/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,738
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,332
−HK$2,632/mo
Today · 4.125%
HK$101,964
baseline
▲ 0.50% · 4.625%
HK$107,339
+HK$5,375/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$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,801
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,278
−HK$3,534/mo
Today · 4.125%
HK$118,812
baseline
▲ 0.50% · 4.625%
HK$126,041
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,624/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,377
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,713
−HK$3,384/mo
Today · 4.125%
HK$131,097
baseline
▲ 0.50% · 4.625%
HK$138,007
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,194/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,650 · Scale 2, in force from 26 Feb 2026)