LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,179
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,113
−HK$1,965/mo
Today · 4.125%
HK$66,078
baseline
▲ 0.50% · 4.625%
HK$70,099
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,156/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,029
−HK$1,882/mo
Today · 4.125%
HK$72,911
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,822/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,358/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$84,119
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,235
−HK$2,258/mo
Today · 4.125%
HK$87,493
baseline
▲ 0.50% · 4.625%
HK$92,105
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,986/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,759
−HK$2,751/mo
Today · 4.125%
HK$92,510
baseline
▲ 0.50% · 4.625%
HK$98,139
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,020/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,843
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,441
−HK$2,634/mo
Today · 4.125%
HK$102,075
baseline
▲ 0.50% · 4.625%
HK$107,456
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,150/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,923
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,404
−HK$3,537/mo
Today · 4.125%
HK$118,941
baseline
▲ 0.50% · 4.625%
HK$126,178
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,882/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,513
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,852
−HK$3,388/mo
Today · 4.125%
HK$131,240
baseline
▲ 0.50% · 4.625%
HK$138,158
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,480/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,913 · Scale 2, in force from 26 Feb 2026)