LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,234
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,170
−HK$1,967/mo
Today · 4.125%
HK$66,137
baseline
▲ 0.50% · 4.625%
HK$70,161
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,274/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,235
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,092
−HK$1,883/mo
Today · 4.125%
HK$72,975
baseline
▲ 0.50% · 4.625%
HK$76,822
+HK$3,847/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$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,681
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,004
−HK$2,360/mo
Today · 4.125%
HK$79,364
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,728/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,082
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,310
−HK$2,260/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$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,128
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,838
−HK$2,753/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$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,929
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,528
−HK$2,638/mo
Today · 4.125%
HK$102,166
baseline
▲ 0.50% · 4.625%
HK$107,551
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,332/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,021
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,506
−HK$3,540/mo
Today · 4.125%
HK$119,046
baseline
▲ 0.50% · 4.625%
HK$126,290
+HK$7,244/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,092/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,623
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,965
−HK$3,391/mo
Today · 4.125%
HK$131,356
baseline
▲ 0.50% · 4.625%
HK$138,280
+HK$6,924/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,712/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,936 · Scale 2, in force from 26 Feb 2026)