LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,833
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,756
−HK$1,954/mo
Today · 4.125%
HK$65,710
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,420/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,788
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,633
−HK$1,872/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,327
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,199
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,507
−HK$2,345/mo
Today · 4.125%
HK$78,852
baseline
▲ 0.50% · 4.625%
HK$83,650
+HK$4,798/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,704/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,546
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,760
−HK$2,246/mo
Today · 4.125%
HK$87,006
baseline
▲ 0.50% · 4.625%
HK$91,592
+HK$4,586/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,012/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,566
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,259
−HK$2,735/mo
Today · 4.125%
HK$91,994
baseline
▲ 0.50% · 4.625%
HK$97,592
+HK$5,598/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,988/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,304
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,886
−HK$2,621/mo
Today · 4.125%
HK$101,507
baseline
▲ 0.50% · 4.625%
HK$106,857
+HK$5,350/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$203,014/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,299
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,761
−HK$3,517/mo
Today · 4.125%
HK$118,278
baseline
▲ 0.50% · 4.625%
HK$125,475
+HK$7,197/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,556/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,819
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,140
−HK$3,369/mo
Today · 4.125%
HK$130,509
baseline
▲ 0.50% · 4.625%
HK$137,388
+HK$6,879/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$261,018/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,455 · Scale 2, in force from 26 Feb 2026)