LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,184
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,118
−HK$1,965/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,179
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,034
−HK$1,883/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$76,760
+HK$3,843/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,834/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,621
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,942
−HK$2,358/mo
Today · 4.125%
HK$79,300
baseline
▲ 0.50% · 4.625%
HK$84,125
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,600/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,015
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,241
−HK$2,259/mo
Today · 4.125%
HK$87,500
baseline
▲ 0.50% · 4.625%
HK$92,112
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,000/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,058
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,766
−HK$2,751/mo
Today · 4.125%
HK$92,517
baseline
▲ 0.50% · 4.625%
HK$98,146
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,034/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,851
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,448
−HK$2,635/mo
Today · 4.125%
HK$102,083
baseline
▲ 0.50% · 4.625%
HK$107,464
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,166/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,931
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,413
−HK$3,537/mo
Today · 4.125%
HK$118,950
baseline
▲ 0.50% · 4.625%
HK$126,188
+HK$7,238/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,900/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,522
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,862
−HK$3,388/mo
Today · 4.125%
HK$131,250
baseline
▲ 0.50% · 4.625%
HK$138,168
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,500/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,002 · Scale 2, in force from 26 Feb 2026)