LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,237
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,967/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$70,165
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,238
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,095
−HK$1,884/mo
Today · 4.125%
HK$72,979
baseline
▲ 0.50% · 4.625%
HK$76,826
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,958/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,685
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,008
−HK$2,360/mo
Today · 4.125%
HK$79,368
baseline
▲ 0.50% · 4.625%
HK$84,198
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,736/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,086
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,314
−HK$2,261/mo
Today · 4.125%
HK$87,575
baseline
▲ 0.50% · 4.625%
HK$92,191
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,150/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,132
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,843
−HK$2,753/mo
Today · 4.125%
HK$92,596
baseline
▲ 0.50% · 4.625%
HK$98,230
+HK$5,634/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,192/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,934
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,533
−HK$2,638/mo
Today · 4.125%
HK$102,171
baseline
▲ 0.50% · 4.625%
HK$107,556
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,342/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,027
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,512
−HK$3,540/mo
Today · 4.125%
HK$119,052
baseline
▲ 0.50% · 4.625%
HK$126,296
+HK$7,244/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,104/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,629
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,972
−HK$3,390/mo
Today · 4.125%
HK$131,362
baseline
▲ 0.50% · 4.625%
HK$138,287
+HK$6,925/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,724/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,995 · Scale 2, in force from 26 Feb 2026)