LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,118
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,050
−HK$1,964/mo
Today · 4.125%
HK$66,014
baseline
▲ 0.50% · 4.625%
HK$70,030
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,028/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,106
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,959
−HK$1,881/mo
Today · 4.125%
HK$72,840
baseline
▲ 0.50% · 4.625%
HK$76,679
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,680/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,542
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,861
−HK$2,355/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$84,036
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,927
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,151
−HK$2,256/mo
Today · 4.125%
HK$87,407
baseline
▲ 0.50% · 4.625%
HK$92,015
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,814/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,966
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,671
−HK$2,748/mo
Today · 4.125%
HK$92,419
baseline
▲ 0.50% · 4.625%
HK$98,043
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,838/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,748
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,343
−HK$2,632/mo
Today · 4.125%
HK$101,975
baseline
▲ 0.50% · 4.625%
HK$107,351
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,950/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,813
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,291
−HK$3,533/mo
Today · 4.125%
HK$118,824
baseline
▲ 0.50% · 4.625%
HK$126,055
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,648/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,391
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,727
−HK$3,384/mo
Today · 4.125%
HK$131,111
baseline
▲ 0.50% · 4.625%
HK$138,022
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,222/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,776 · Scale 2, in force from 26 Feb 2026)