LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,164
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,097
−HK$1,965/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$70,081
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,156
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,011
−HK$1,882/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,596
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,917
−HK$2,357/mo
Today · 4.125%
HK$79,274
baseline
▲ 0.50% · 4.625%
HK$84,098
+HK$4,824/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,548/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,988
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,213
−HK$2,258/mo
Today · 4.125%
HK$87,471
baseline
▲ 0.50% · 4.625%
HK$92,082
+HK$4,611/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,942/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,029
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,736
−HK$2,751/mo
Today · 4.125%
HK$92,487
baseline
▲ 0.50% · 4.625%
HK$98,114
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,974/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,819
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,416
−HK$2,634/mo
Today · 4.125%
HK$102,050
baseline
▲ 0.50% · 4.625%
HK$107,429
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,100/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,894
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,375
−HK$3,536/mo
Today · 4.125%
HK$118,911
baseline
▲ 0.50% · 4.625%
HK$126,147
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,822/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,481
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,820
−HK$3,387/mo
Today · 4.125%
HK$131,207
baseline
▲ 0.50% · 4.625%
HK$138,123
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,414/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,621 · Scale 2, in force from 26 Feb 2026)