LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,228
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,164
−HK$1,967/mo
Today · 4.125%
HK$66,131
baseline
▲ 0.50% · 4.625%
HK$70,155
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,262/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,228
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,085
−HK$1,884/mo
Today · 4.125%
HK$72,969
baseline
▲ 0.50% · 4.625%
HK$76,815
+HK$3,846/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,938/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,674
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,360/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$84,185
+HK$4,828/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,302
−HK$2,260/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,120
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,830
−HK$2,753/mo
Today · 4.125%
HK$92,583
baseline
▲ 0.50% · 4.625%
HK$98,216
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,166/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,920
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,519
−HK$2,637/mo
Today · 4.125%
HK$102,156
baseline
▲ 0.50% · 4.625%
HK$107,541
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,312/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,011
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,495
−HK$3,540/mo
Today · 4.125%
HK$119,035
baseline
▲ 0.50% · 4.625%
HK$126,278
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,070/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,611
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,953
−HK$3,391/mo
Today · 4.125%
HK$131,344
baseline
▲ 0.50% · 4.625%
HK$138,267
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,688/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,828 · Scale 2, in force from 26 Feb 2026)