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$70,027
+HK$4,017/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$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,102
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,956
−HK$1,880/mo
Today · 4.125%
HK$72,836
baseline
▲ 0.50% · 4.625%
HK$76,675
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,672/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,538
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,355/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$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,923
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,147
−HK$2,256/mo
Today · 4.125%
HK$87,403
baseline
▲ 0.50% · 4.625%
HK$92,010
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,806/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,961
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,666
−HK$2,748/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$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,743
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,338
−HK$2,632/mo
Today · 4.125%
HK$101,970
baseline
▲ 0.50% · 4.625%
HK$107,345
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,940/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,807
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,285
−HK$3,533/mo
Today · 4.125%
HK$118,818
baseline
▲ 0.50% · 4.625%
HK$126,048
+HK$7,230/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$1,157,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,384
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,720
−HK$3,384/mo
Today · 4.125%
HK$131,104
baseline
▲ 0.50% · 4.625%
HK$138,015
+HK$6,911/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$1,157,716 · Scale 2, in force from 26 Feb 2026)