LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,505
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,975/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$4,042/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,536
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$1,892/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,156
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,006
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,339
−HK$2,370/mo
Today · 4.125%
HK$79,709
baseline
▲ 0.50% · 4.625%
HK$84,559
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,418/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,443
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,681
−HK$2,270/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$92,587
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,506
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,228
−HK$2,766/mo
Today · 4.125%
HK$92,994
baseline
▲ 0.50% · 4.625%
HK$98,652
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,988/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,350
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,961
−HK$2,649/mo
Today · 4.125%
HK$102,610
baseline
▲ 0.50% · 4.625%
HK$108,018
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,220/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,508
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,008
−HK$3,556/mo
Today · 4.125%
HK$119,564
baseline
▲ 0.50% · 4.625%
HK$126,839
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,128/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,164
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,521
−HK$3,406/mo
Today · 4.125%
HK$131,927
baseline
▲ 0.50% · 4.625%
HK$138,881
+HK$6,954/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,854/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,978 · Scale 2, in force from 26 Feb 2026)