LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,821
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,954/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,696
+HK$3,998/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,776
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,620
−HK$1,871/mo
Today · 4.125%
HK$72,491
baseline
▲ 0.50% · 4.625%
HK$76,312
+HK$3,821/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$144,982/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,186
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,493
−HK$2,345/mo
Today · 4.125%
HK$78,838
baseline
▲ 0.50% · 4.625%
HK$83,635
+HK$4,797/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$157,676/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,531
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,744
−HK$2,246/mo
Today · 4.125%
HK$86,990
baseline
▲ 0.50% · 4.625%
HK$91,575
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$173,980/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,550
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,242
−HK$2,735/mo
Today · 4.125%
HK$91,977
baseline
▲ 0.50% · 4.625%
HK$97,574
+HK$5,597/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,954/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,286
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,868
−HK$2,620/mo
Today · 4.125%
HK$101,488
baseline
▲ 0.50% · 4.625%
HK$106,837
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,976/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,278
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,740
−HK$3,517/mo
Today · 4.125%
HK$118,257
baseline
▲ 0.50% · 4.625%
HK$125,452
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,514/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,796
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,116
−HK$3,368/mo
Today · 4.125%
HK$130,484
baseline
▲ 0.50% · 4.625%
HK$137,362
+HK$6,878/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,968/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,243 · Scale 2, in force from 26 Feb 2026)