LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,920
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,957/mo
Today · 4.125%
HK$65,803
baseline
▲ 0.50% · 4.625%
HK$69,807
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,606/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,886
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$1,874/mo
Today · 4.125%
HK$72,607
baseline
▲ 0.50% · 4.625%
HK$76,434
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,214/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,304
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,615
−HK$2,349/mo
Today · 4.125%
HK$78,964
baseline
▲ 0.50% · 4.625%
HK$83,768
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,928/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,663
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,880
−HK$2,249/mo
Today · 4.125%
HK$87,129
baseline
▲ 0.50% · 4.625%
HK$91,721
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,258/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,688
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,385
−HK$2,739/mo
Today · 4.125%
HK$92,124
baseline
▲ 0.50% · 4.625%
HK$97,730
+HK$5,606/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,248/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,440
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,026
−HK$2,624/mo
Today · 4.125%
HK$101,650
baseline
▲ 0.50% · 4.625%
HK$107,008
+HK$5,358/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,300/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,456
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,923
−HK$3,523/mo
Today · 4.125%
HK$118,446
baseline
▲ 0.50% · 4.625%
HK$125,653
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,892/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,994
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,319
−HK$3,374/mo
Today · 4.125%
HK$130,693
baseline
▲ 0.50% · 4.625%
HK$137,582
+HK$6,889/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,386/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,084 · Scale 2, in force from 26 Feb 2026)