LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,226
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,161
−HK$1,967/mo
Today · 4.125%
HK$66,128
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,256/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,082
−HK$1,883/mo
Today · 4.125%
HK$72,965
baseline
▲ 0.50% · 4.625%
HK$76,812
+HK$3,847/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$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,671
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,993
−HK$2,360/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,829/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$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,071
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,261/mo
Today · 4.125%
HK$87,559
baseline
▲ 0.50% · 4.625%
HK$92,174
+HK$4,615/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,118/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,116
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,826
−HK$2,753/mo
Today · 4.125%
HK$92,579
baseline
▲ 0.50% · 4.625%
HK$98,212
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,158/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,916
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,515
−HK$2,637/mo
Today · 4.125%
HK$102,152
baseline
▲ 0.50% · 4.625%
HK$107,536
+HK$5,384/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,304/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,006
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,490
−HK$3,540/mo
Today · 4.125%
HK$119,030
baseline
▲ 0.50% · 4.625%
HK$126,273
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,060/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,606
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,948
−HK$3,390/mo
Today · 4.125%
HK$131,338
baseline
▲ 0.50% · 4.625%
HK$138,261
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,676/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,778 · Scale 2, in force from 26 Feb 2026)