LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,814
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,954/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,768
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$1,871/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,304
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,177
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,344/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$83,625
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,735
−HK$2,245/mo
Today · 4.125%
HK$86,980
baseline
▲ 0.50% · 4.625%
HK$91,565
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$173,960/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,540
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,232
−HK$2,735/mo
Today · 4.125%
HK$91,967
baseline
▲ 0.50% · 4.625%
HK$97,563
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,934/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,275
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,857
−HK$2,620/mo
Today · 4.125%
HK$101,477
baseline
▲ 0.50% · 4.625%
HK$106,826
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,954/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,266
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,727
−HK$3,516/mo
Today · 4.125%
HK$118,243
baseline
▲ 0.50% · 4.625%
HK$125,438
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,486/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,782
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,102
−HK$3,368/mo
Today · 4.125%
HK$130,470
baseline
▲ 0.50% · 4.625%
HK$137,347
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,940/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,113 · Scale 2, in force from 26 Feb 2026)