LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,137
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,070
−HK$1,963/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$4,018/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,127
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,981
−HK$1,880/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$76,702
+HK$3,841/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,564
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,884
−HK$2,356/mo
Today · 4.125%
HK$79,240
baseline
▲ 0.50% · 4.625%
HK$84,062
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,480/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,952
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,177
−HK$2,257/mo
Today · 4.125%
HK$87,434
baseline
▲ 0.50% · 4.625%
HK$92,042
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,868/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,992
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,698
−HK$2,749/mo
Today · 4.125%
HK$92,447
baseline
▲ 0.50% · 4.625%
HK$98,072
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,894/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,777
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,373
−HK$2,633/mo
Today · 4.125%
HK$102,006
baseline
▲ 0.50% · 4.625%
HK$107,383
+HK$5,377/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$204,012/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,846
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,325
−HK$3,535/mo
Today · 4.125%
HK$118,860
baseline
▲ 0.50% · 4.625%
HK$126,092
+HK$7,232/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,720/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,428
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,765
−HK$3,385/mo
Today · 4.125%
HK$131,150
baseline
▲ 0.50% · 4.625%
HK$138,063
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,300/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,123 · Scale 2, in force from 26 Feb 2026)