LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,836
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,759
−HK$1,954/mo
Today · 4.125%
HK$65,713
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,426/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$1,871/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,330
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,203
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,511
−HK$2,345/mo
Today · 4.125%
HK$78,856
baseline
▲ 0.50% · 4.625%
HK$83,654
+HK$4,798/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,712/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,550
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,764
−HK$2,246/mo
Today · 4.125%
HK$87,010
baseline
▲ 0.50% · 4.625%
HK$91,596
+HK$4,586/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,020/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,570
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,263
−HK$2,736/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$97,597
+HK$5,598/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$183,998/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,308
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,891
−HK$2,621/mo
Today · 4.125%
HK$101,512
baseline
▲ 0.50% · 4.625%
HK$106,863
+HK$5,351/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$203,024/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,305
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,767
−HK$3,517/mo
Today · 4.125%
HK$118,284
baseline
▲ 0.50% · 4.625%
HK$125,482
+HK$7,198/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,568/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,825
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,146
−HK$3,369/mo
Today · 4.125%
HK$130,515
baseline
▲ 0.50% · 4.625%
HK$137,395
+HK$6,880/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,030/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,513 · Scale 2, in force from 26 Feb 2026)