LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,168
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,102
−HK$1,965/mo
Today · 4.125%
HK$66,067
baseline
▲ 0.50% · 4.625%
HK$70,087
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,134/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,162
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,016
−HK$1,882/mo
Today · 4.125%
HK$72,898
baseline
▲ 0.50% · 4.625%
HK$76,741
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,796/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,602
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,922
−HK$2,358/mo
Today · 4.125%
HK$79,280
baseline
▲ 0.50% · 4.625%
HK$84,104
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,560/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,994
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,220
−HK$2,258/mo
Today · 4.125%
HK$87,478
baseline
▲ 0.50% · 4.625%
HK$92,089
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,956/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,036
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,743
−HK$2,750/mo
Today · 4.125%
HK$92,493
baseline
▲ 0.50% · 4.625%
HK$98,121
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,986/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,826
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,423
−HK$2,634/mo
Today · 4.125%
HK$102,057
baseline
▲ 0.50% · 4.625%
HK$107,437
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,114/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,903
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,384
−HK$3,536/mo
Today · 4.125%
HK$118,920
baseline
▲ 0.50% · 4.625%
HK$126,156
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,840/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,491
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,830
−HK$3,387/mo
Today · 4.125%
HK$131,217
baseline
▲ 0.50% · 4.625%
HK$138,133
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,434/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,708 · Scale 2, in force from 26 Feb 2026)