LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,931
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,958/mo
Today · 4.125%
HK$65,815
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,630/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,898
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,745
−HK$1,875/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$76,448
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,317
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,629
−HK$2,349/mo
Today · 4.125%
HK$78,978
baseline
▲ 0.50% · 4.625%
HK$83,783
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,956/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,677
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,895
−HK$2,249/mo
Today · 4.125%
HK$87,144
baseline
▲ 0.50% · 4.625%
HK$91,737
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,288/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,703
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,400
−HK$2,741/mo
Today · 4.125%
HK$92,141
baseline
▲ 0.50% · 4.625%
HK$97,747
+HK$5,606/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,282/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,457
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,044
−HK$2,624/mo
Today · 4.125%
HK$101,668
baseline
▲ 0.50% · 4.625%
HK$107,027
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,336/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,476
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,943
−HK$3,523/mo
Today · 4.125%
HK$118,466
baseline
▲ 0.50% · 4.625%
HK$125,675
+HK$7,209/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,932/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,016
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,342
−HK$3,374/mo
Today · 4.125%
HK$130,716
baseline
▲ 0.50% · 4.625%
HK$137,606
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,432/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,287 · Scale 2, in force from 26 Feb 2026)