LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,836
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,760
−HK$1,954/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,998/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$1,872/mo
Today · 4.125%
HK$72,509
baseline
▲ 0.50% · 4.625%
HK$76,331
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,018/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,203
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,512
−HK$2,345/mo
Today · 4.125%
HK$78,857
baseline
▲ 0.50% · 4.625%
HK$83,655
+HK$4,798/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,714/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,551
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,245/mo
Today · 4.125%
HK$87,010
baseline
▲ 0.50% · 4.625%
HK$91,597
+HK$4,587/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$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$5,428/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$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,309
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,892
−HK$2,620/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$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,305
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$114,767
−HK$3,518/mo
Today · 4.125%
HK$118,285
baseline
▲ 0.50% · 4.625%
HK$125,482
+HK$7,197/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,570/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,826
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,147
−HK$3,369/mo
Today · 4.125%
HK$130,516
baseline
▲ 0.50% · 4.625%
HK$137,395
+HK$6,879/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,032/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,519 · Scale 2, in force from 26 Feb 2026)