LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,230
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,166
−HK$1,967/mo
Today · 4.125%
HK$66,133
baseline
▲ 0.50% · 4.625%
HK$70,157
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,266/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,087
−HK$1,884/mo
Today · 4.125%
HK$72,971
baseline
▲ 0.50% · 4.625%
HK$76,817
+HK$3,846/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,942/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,676
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,999
−HK$2,360/mo
Today · 4.125%
HK$79,359
baseline
▲ 0.50% · 4.625%
HK$84,188
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$158,718/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,077
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,305
−HK$2,260/mo
Today · 4.125%
HK$87,565
baseline
▲ 0.50% · 4.625%
HK$92,181
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,130/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,122
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,832
−HK$2,754/mo
Today · 4.125%
HK$92,586
baseline
▲ 0.50% · 4.625%
HK$98,219
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,172/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,923
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,522
−HK$2,637/mo
Today · 4.125%
HK$102,159
baseline
▲ 0.50% · 4.625%
HK$107,544
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,318/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,014
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,499
−HK$3,540/mo
Today · 4.125%
HK$119,039
baseline
▲ 0.50% · 4.625%
HK$126,282
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,078/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,615
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,957
−HK$3,390/mo
Today · 4.125%
HK$131,347
baseline
▲ 0.50% · 4.625%
HK$138,271
+HK$6,924/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,694/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,863 · Scale 2, in force from 26 Feb 2026)