LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,167
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,101
−HK$1,965/mo
Today · 4.125%
HK$66,066
baseline
▲ 0.50% · 4.625%
HK$70,086
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,132/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,161
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,016
−HK$1,881/mo
Today · 4.125%
HK$72,897
baseline
▲ 0.50% · 4.625%
HK$76,740
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,794/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,601
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,921
−HK$2,358/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,993
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,219
−HK$2,258/mo
Today · 4.125%
HK$87,477
baseline
▲ 0.50% · 4.625%
HK$92,088
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,954/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,034
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,742
−HK$2,750/mo
Today · 4.125%
HK$92,492
baseline
▲ 0.50% · 4.625%
HK$98,120
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,984/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,825
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,422
−HK$2,634/mo
Today · 4.125%
HK$102,056
baseline
▲ 0.50% · 4.625%
HK$107,436
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,112/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,901
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,382
−HK$3,537/mo
Today · 4.125%
HK$118,919
baseline
▲ 0.50% · 4.625%
HK$126,155
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,838/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,489
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,828
−HK$3,387/mo
Today · 4.125%
HK$131,215
baseline
▲ 0.50% · 4.625%
HK$138,131
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,430/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,693 · Scale 2, in force from 26 Feb 2026)