LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,949
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,876
−HK$1,958/mo
Today · 4.125%
HK$65,834
baseline
▲ 0.50% · 4.625%
HK$69,840
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,668/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,918
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,766
−HK$1,875/mo
Today · 4.125%
HK$72,641
baseline
▲ 0.50% · 4.625%
HK$76,470
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,282/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,339
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,651
−HK$2,350/mo
Today · 4.125%
HK$79,001
baseline
▲ 0.50% · 4.625%
HK$83,808
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,002/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,701
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,919
−HK$2,250/mo
Today · 4.125%
HK$87,169
baseline
▲ 0.50% · 4.625%
HK$91,764
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,338/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,729
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,427
−HK$2,740/mo
Today · 4.125%
HK$92,167
baseline
▲ 0.50% · 4.625%
HK$97,776
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,334/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,485
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,073
−HK$2,625/mo
Today · 4.125%
HK$101,698
baseline
▲ 0.50% · 4.625%
HK$107,058
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,396/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,508
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,977
−HK$3,524/mo
Today · 4.125%
HK$118,501
baseline
▲ 0.50% · 4.625%
HK$125,711
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,002/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,052
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,379
−HK$3,375/mo
Today · 4.125%
HK$130,754
baseline
▲ 0.50% · 4.625%
HK$137,646
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,508/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,624 · Scale 2, in force from 26 Feb 2026)