LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,234
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,169
−HK$1,967/mo
Today · 4.125%
HK$66,136
baseline
▲ 0.50% · 4.625%
HK$70,160
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,272/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,234
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,091
−HK$1,884/mo
Today · 4.125%
HK$72,975
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$3,846/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,950/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,680
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,003
−HK$2,360/mo
Today · 4.125%
HK$79,363
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,726/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,081
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,309
−HK$2,261/mo
Today · 4.125%
HK$87,570
baseline
▲ 0.50% · 4.625%
HK$92,186
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,140/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,127
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,837
−HK$2,754/mo
Today · 4.125%
HK$92,591
baseline
▲ 0.50% · 4.625%
HK$98,225
+HK$5,634/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,182/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,928
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,528
−HK$2,637/mo
Today · 4.125%
HK$102,165
baseline
▲ 0.50% · 4.625%
HK$107,550
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,330/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,021
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,505
−HK$3,540/mo
Today · 4.125%
HK$119,045
baseline
▲ 0.50% · 4.625%
HK$126,289
+HK$7,244/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,090/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,622
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,964
−HK$3,391/mo
Today · 4.125%
HK$131,355
baseline
▲ 0.50% · 4.625%
HK$138,279
+HK$6,924/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,710/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,927 · Scale 2, in force from 26 Feb 2026)