LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,817
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,740
−HK$1,953/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,690
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,770
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$1,871/mo
Today · 4.125%
HK$72,486
baseline
▲ 0.50% · 4.625%
HK$76,307
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,972/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,180
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,487
−HK$2,345/mo
Today · 4.125%
HK$78,832
baseline
▲ 0.50% · 4.625%
HK$83,629
+HK$4,797/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$157,664/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,525
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,738
−HK$2,245/mo
Today · 4.125%
HK$86,983
baseline
▲ 0.50% · 4.625%
HK$91,568
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$173,966/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,543
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,235
−HK$2,735/mo
Today · 4.125%
HK$91,970
baseline
▲ 0.50% · 4.625%
HK$97,567
+HK$5,597/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,940/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,279
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,861
−HK$2,619/mo
Today · 4.125%
HK$101,480
baseline
▲ 0.50% · 4.625%
HK$106,829
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,960/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,270
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,731
−HK$3,517/mo
Today · 4.125%
HK$118,248
baseline
▲ 0.50% · 4.625%
HK$125,443
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,496/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,787
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,107
−HK$3,368/mo
Today · 4.125%
HK$130,475
baseline
▲ 0.50% · 4.625%
HK$137,352
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,950/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,156 · Scale 2, in force from 26 Feb 2026)