LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,143
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,076
−HK$1,964/mo
Today · 4.125%
HK$66,040
baseline
▲ 0.50% · 4.625%
HK$70,059
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,080/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,134
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,988
−HK$1,881/mo
Today · 4.125%
HK$72,869
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,738/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,572
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,892
−HK$2,356/mo
Today · 4.125%
HK$79,248
baseline
▲ 0.50% · 4.625%
HK$84,070
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,496/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,961
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,186
−HK$2,257/mo
Today · 4.125%
HK$87,443
baseline
▲ 0.50% · 4.625%
HK$92,052
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,886/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,001
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,707
−HK$2,749/mo
Today · 4.125%
HK$92,456
baseline
▲ 0.50% · 4.625%
HK$98,082
+HK$5,626/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,912/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,787
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,383
−HK$2,634/mo
Today · 4.125%
HK$102,017
baseline
▲ 0.50% · 4.625%
HK$107,394
+HK$5,377/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,034/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,858
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,337
−HK$3,536/mo
Today · 4.125%
HK$118,873
baseline
▲ 0.50% · 4.625%
HK$126,106
+HK$7,233/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,746/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,441
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,778
−HK$3,386/mo
Today · 4.125%
HK$131,164
baseline
▲ 0.50% · 4.625%
HK$138,078
+HK$6,914/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,328/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,244 · Scale 2, in force from 26 Feb 2026)