LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,216
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,151
−HK$1,966/mo
Today · 4.125%
HK$66,117
baseline
▲ 0.50% · 4.625%
HK$70,141
+HK$4,024/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,234/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,215
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,071
−HK$1,883/mo
Today · 4.125%
HK$72,954
baseline
▲ 0.50% · 4.625%
HK$76,800
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,908/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,659
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,981
−HK$2,360/mo
Today · 4.125%
HK$79,341
baseline
▲ 0.50% · 4.625%
HK$84,169
+HK$4,828/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,682/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,058
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,285
−HK$2,260/mo
Today · 4.125%
HK$87,545
baseline
▲ 0.50% · 4.625%
HK$92,159
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,090/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,102
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,812
−HK$2,752/mo
Today · 4.125%
HK$92,564
baseline
▲ 0.50% · 4.625%
HK$98,197
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,128/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,900
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,499
−HK$2,637/mo
Today · 4.125%
HK$102,136
baseline
▲ 0.50% · 4.625%
HK$107,519
+HK$5,383/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,272/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,989
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,472
−HK$3,539/mo
Today · 4.125%
HK$119,011
baseline
▲ 0.50% · 4.625%
HK$126,253
+HK$7,242/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,022/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,586
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,928
−HK$3,389/mo
Today · 4.125%
HK$131,317
baseline
▲ 0.50% · 4.625%
HK$138,239
+HK$6,922/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,634/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,597 · Scale 2, in force from 26 Feb 2026)