LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,225
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,161
−HK$1,966/mo
Today · 4.125%
HK$66,127
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$4,024/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,254/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$1,884/mo
Today · 4.125%
HK$72,965
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,930/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,993
−HK$2,360/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$84,181
+HK$4,828/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$158,706/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,070
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,260/mo
Today · 4.125%
HK$87,558
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$4,615/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,116/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,115
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,825
−HK$2,753/mo
Today · 4.125%
HK$92,578
baseline
▲ 0.50% · 4.625%
HK$98,211
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,156/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,915
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,514
−HK$2,637/mo
Today · 4.125%
HK$102,151
baseline
▲ 0.50% · 4.625%
HK$107,535
+HK$5,384/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,302/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,005
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,489
−HK$3,540/mo
Today · 4.125%
HK$119,029
baseline
▲ 0.50% · 4.625%
HK$126,272
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,058/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,605
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,947
−HK$3,390/mo
Today · 4.125%
HK$131,337
baseline
▲ 0.50% · 4.625%
HK$138,260
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,674/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,769 · Scale 2, in force from 26 Feb 2026)