LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,236
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,172
−HK$1,966/mo
Today · 4.125%
HK$66,138
baseline
▲ 0.50% · 4.625%
HK$70,163
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,276/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,237
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,094
−HK$1,883/mo
Today · 4.125%
HK$72,977
baseline
▲ 0.50% · 4.625%
HK$76,824
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,954/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,683
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,006
−HK$2,360/mo
Today · 4.125%
HK$79,366
baseline
▲ 0.50% · 4.625%
HK$84,195
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,732/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,084
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,312
−HK$2,261/mo
Today · 4.125%
HK$87,573
baseline
▲ 0.50% · 4.625%
HK$92,189
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,146/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,130
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,840
−HK$2,754/mo
Today · 4.125%
HK$92,594
baseline
▲ 0.50% · 4.625%
HK$98,228
+HK$5,634/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,188/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,931
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,531
−HK$2,637/mo
Today · 4.125%
HK$102,168
baseline
▲ 0.50% · 4.625%
HK$107,554
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,336/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,024
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,509
−HK$3,540/mo
Today · 4.125%
HK$119,049
baseline
▲ 0.50% · 4.625%
HK$126,293
+HK$7,244/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,098/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,626
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,968
−HK$3,391/mo
Today · 4.125%
HK$131,359
baseline
▲ 0.50% · 4.625%
HK$138,283
+HK$6,924/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,718/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,966 · Scale 2, in force from 26 Feb 2026)