LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,131
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,063
−HK$1,964/mo
Today · 4.125%
HK$66,027
baseline
▲ 0.50% · 4.625%
HK$70,044
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,054/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,120
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,973
−HK$1,881/mo
Today · 4.125%
HK$72,854
baseline
▲ 0.50% · 4.625%
HK$76,694
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,708/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,356/mo
Today · 4.125%
HK$79,232
baseline
▲ 0.50% · 4.625%
HK$84,053
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,464/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,944
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,168
−HK$2,257/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,033
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,983
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,689
−HK$2,748/mo
Today · 4.125%
HK$92,437
baseline
▲ 0.50% · 4.625%
HK$98,062
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,874/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,768
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,363
−HK$2,633/mo
Today · 4.125%
HK$101,996
baseline
▲ 0.50% · 4.625%
HK$107,372
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,992/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,835
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,314
−HK$3,534/mo
Today · 4.125%
HK$118,848
baseline
▲ 0.50% · 4.625%
HK$126,080
+HK$7,232/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,696/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,415
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,752
−HK$3,385/mo
Today · 4.125%
HK$131,137
baseline
▲ 0.50% · 4.625%
HK$138,050
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,274/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,006 · Scale 2, in force from 26 Feb 2026)