LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,211
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,966/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$70,135
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,224/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,209
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,065
−HK$1,883/mo
Today · 4.125%
HK$72,948
baseline
▲ 0.50% · 4.625%
HK$76,793
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,896/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,653
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,975
−HK$2,359/mo
Today · 4.125%
HK$79,334
baseline
▲ 0.50% · 4.625%
HK$84,162
+HK$4,828/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,668/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,051
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,278
−HK$2,260/mo
Today · 4.125%
HK$87,538
baseline
▲ 0.50% · 4.625%
HK$92,152
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,076/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,095
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,804
−HK$2,753/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$98,189
+HK$5,632/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,893
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,491
−HK$2,636/mo
Today · 4.125%
HK$102,127
baseline
▲ 0.50% · 4.625%
HK$107,511
+HK$5,384/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$204,254/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,980
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,463
−HK$3,539/mo
Today · 4.125%
HK$119,002
baseline
▲ 0.50% · 4.625%
HK$126,243
+HK$7,241/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$238,004/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,576
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,917
−HK$3,390/mo
Today · 4.125%
HK$131,307
baseline
▲ 0.50% · 4.625%
HK$138,228
+HK$6,921/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,614/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,503 · Scale 2, in force from 26 Feb 2026)