LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,880
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,955/mo
Today · 4.125%
HK$65,760
baseline
▲ 0.50% · 4.625%
HK$69,762
+HK$4,002/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,520/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,841
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,687
−HK$1,873/mo
Today · 4.125%
HK$72,560
baseline
▲ 0.50% · 4.625%
HK$76,385
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,120/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,256
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,346/mo
Today · 4.125%
HK$78,912
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,802/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,824/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,609
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,824
−HK$2,248/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$4,590/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,632
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,327
−HK$2,737/mo
Today · 4.125%
HK$92,064
baseline
▲ 0.50% · 4.625%
HK$97,666
+HK$5,602/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,128/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,377
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,962
−HK$2,622/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$106,939
+HK$5,355/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,384
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,849
−HK$3,520/mo
Today · 4.125%
HK$118,369
baseline
▲ 0.50% · 4.625%
HK$125,571
+HK$7,202/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,738/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,913
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,237
−HK$3,371/mo
Today · 4.125%
HK$130,608
baseline
▲ 0.50% · 4.625%
HK$137,493
+HK$6,885/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,216/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,334 · Scale 2, in force from 26 Feb 2026)