LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,115
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,047
−HK$1,963/mo
Today · 4.125%
HK$66,010
baseline
▲ 0.50% · 4.625%
HK$70,026
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,020/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,102
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,955
−HK$1,880/mo
Today · 4.125%
HK$72,835
baseline
▲ 0.50% · 4.625%
HK$76,675
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,670/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,538
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,856
−HK$2,356/mo
Today · 4.125%
HK$79,212
baseline
▲ 0.50% · 4.625%
HK$84,032
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,424/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,922
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,146
−HK$2,256/mo
Today · 4.125%
HK$87,402
baseline
▲ 0.50% · 4.625%
HK$92,009
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,804/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,961
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,665
−HK$2,749/mo
Today · 4.125%
HK$92,414
baseline
▲ 0.50% · 4.625%
HK$98,037
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,828/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,743
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,337
−HK$2,632/mo
Today · 4.125%
HK$101,969
baseline
▲ 0.50% · 4.625%
HK$107,344
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,938/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,806
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,284
−HK$3,534/mo
Today · 4.125%
HK$118,818
baseline
▲ 0.50% · 4.625%
HK$126,047
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,636/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,383
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,719
−HK$3,385/mo
Today · 4.125%
HK$131,104
baseline
▲ 0.50% · 4.625%
HK$138,014
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,208/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,709 · Scale 2, in force from 26 Feb 2026)