LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,126
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,963/mo
Today · 4.125%
HK$66,021
baseline
▲ 0.50% · 4.625%
HK$70,039
+HK$4,018/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,042/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,114
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,968
−HK$1,880/mo
Today · 4.125%
HK$72,848
baseline
▲ 0.50% · 4.625%
HK$76,688
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,696/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,551
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,870
−HK$2,356/mo
Today · 4.125%
HK$79,226
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,452/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,937
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,161
−HK$2,257/mo
Today · 4.125%
HK$87,418
baseline
▲ 0.50% · 4.625%
HK$92,026
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,836/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,976
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,749/mo
Today · 4.125%
HK$92,430
baseline
▲ 0.50% · 4.625%
HK$98,054
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,860/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,760
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,355
−HK$2,632/mo
Today · 4.125%
HK$101,987
baseline
▲ 0.50% · 4.625%
HK$107,363
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,974/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,826
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,304
−HK$3,534/mo
Today · 4.125%
HK$118,838
baseline
▲ 0.50% · 4.625%
HK$126,069
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,676/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,405
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,742
−HK$3,384/mo
Today · 4.125%
HK$131,126
baseline
▲ 0.50% · 4.625%
HK$138,038
+HK$6,912/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,252/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,911 · Scale 2, in force from 26 Feb 2026)