LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,130
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,062
−HK$1,964/mo
Today · 4.125%
HK$66,026
baseline
▲ 0.50% · 4.625%
HK$70,043
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,052/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,119
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,972
−HK$1,881/mo
Today · 4.125%
HK$72,853
baseline
▲ 0.50% · 4.625%
HK$76,693
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,706/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,556
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,875
−HK$2,356/mo
Today · 4.125%
HK$79,231
baseline
▲ 0.50% · 4.625%
HK$84,052
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,462/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,942
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,167
−HK$2,257/mo
Today · 4.125%
HK$87,424
baseline
▲ 0.50% · 4.625%
HK$92,032
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,848/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,982
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,687
−HK$2,749/mo
Today · 4.125%
HK$92,436
baseline
▲ 0.50% · 4.625%
HK$98,061
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,872/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,766
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,361
−HK$2,633/mo
Today · 4.125%
HK$101,994
baseline
▲ 0.50% · 4.625%
HK$107,370
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,988/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,834
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,312
−HK$3,535/mo
Today · 4.125%
HK$118,847
baseline
▲ 0.50% · 4.625%
HK$126,078
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,694/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,414
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,750
−HK$3,385/mo
Today · 4.125%
HK$131,135
baseline
▲ 0.50% · 4.625%
HK$138,048
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,270/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,991 · Scale 2, in force from 26 Feb 2026)