LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,117
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,049
−HK$1,963/mo
Today · 4.125%
HK$66,012
baseline
▲ 0.50% · 4.625%
HK$70,029
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,024/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,105
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,958
−HK$1,880/mo
Today · 4.125%
HK$72,838
baseline
▲ 0.50% · 4.625%
HK$76,678
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,676/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,541
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,859
−HK$2,356/mo
Today · 4.125%
HK$79,215
baseline
▲ 0.50% · 4.625%
HK$84,035
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,430/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,926
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,150
−HK$2,256/mo
Today · 4.125%
HK$87,406
baseline
▲ 0.50% · 4.625%
HK$92,013
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,812/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,964
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,669
−HK$2,748/mo
Today · 4.125%
HK$92,417
baseline
▲ 0.50% · 4.625%
HK$98,041
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,834/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,747
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,341
−HK$2,632/mo
Today · 4.125%
HK$101,973
baseline
▲ 0.50% · 4.625%
HK$107,349
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,946/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,811
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,289
−HK$3,533/mo
Today · 4.125%
HK$118,822
baseline
▲ 0.50% · 4.625%
HK$126,052
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,644/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,388
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,724
−HK$3,385/mo
Today · 4.125%
HK$131,109
baseline
▲ 0.50% · 4.625%
HK$138,020
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,218/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,755 · Scale 2, in force from 26 Feb 2026)