LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,842
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,954/mo
Today · 4.125%
HK$65,720
baseline
▲ 0.50% · 4.625%
HK$69,719
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,440/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,799
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$1,872/mo
Today · 4.125%
HK$72,516
baseline
▲ 0.50% · 4.625%
HK$76,338
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,032/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,211
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,519
−HK$2,345/mo
Today · 4.125%
HK$78,864
baseline
▲ 0.50% · 4.625%
HK$83,663
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,728/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,773
−HK$2,246/mo
Today · 4.125%
HK$87,019
baseline
▲ 0.50% · 4.625%
HK$91,606
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,038/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,579
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,272
−HK$2,736/mo
Today · 4.125%
HK$92,008
baseline
▲ 0.50% · 4.625%
HK$97,607
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$184,016/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,319
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,902
−HK$2,620/mo
Today · 4.125%
HK$101,522
baseline
▲ 0.50% · 4.625%
HK$106,874
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$203,044/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,316
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,779
−HK$3,518/mo
Today · 4.125%
HK$118,297
baseline
▲ 0.50% · 4.625%
HK$125,495
+HK$7,198/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,838
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,159
−HK$3,370/mo
Today · 4.125%
HK$130,529
baseline
▲ 0.50% · 4.625%
HK$137,409
+HK$6,880/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,058/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,633 · Scale 2, in force from 26 Feb 2026)