LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,165
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,965/mo
Today · 4.125%
HK$66,064
baseline
▲ 0.50% · 4.625%
HK$70,084
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,128/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$1,882/mo
Today · 4.125%
HK$72,895
baseline
▲ 0.50% · 4.625%
HK$76,737
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,790/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,599
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,919
−HK$2,358/mo
Today · 4.125%
HK$79,277
baseline
▲ 0.50% · 4.625%
HK$84,100
+HK$4,823/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,554/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,990
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,216
−HK$2,258/mo
Today · 4.125%
HK$87,474
baseline
▲ 0.50% · 4.625%
HK$92,085
+HK$4,611/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,948/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,032
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,739
−HK$2,750/mo
Today · 4.125%
HK$92,489
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,978/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,822
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,419
−HK$2,634/mo
Today · 4.125%
HK$102,053
baseline
▲ 0.50% · 4.625%
HK$107,432
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,106/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,898
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,379
−HK$3,536/mo
Today · 4.125%
HK$118,915
baseline
▲ 0.50% · 4.625%
HK$126,151
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,830/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,485
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,824
−HK$3,387/mo
Today · 4.125%
HK$131,211
baseline
▲ 0.50% · 4.625%
HK$138,127
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,422/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,656 · Scale 2, in force from 26 Feb 2026)