LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,973
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,901
−HK$1,958/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,944
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,793
−HK$1,876/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$76,500
+HK$3,831/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,368
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,681
−HK$2,350/mo
Today · 4.125%
HK$79,031
baseline
▲ 0.50% · 4.625%
HK$83,840
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,062/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,733
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,952
−HK$2,251/mo
Today · 4.125%
HK$87,203
baseline
▲ 0.50% · 4.625%
HK$91,800
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,406/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,762
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,461
−HK$2,742/mo
Today · 4.125%
HK$92,203
baseline
▲ 0.50% · 4.625%
HK$97,813
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,406/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,522
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,111
−HK$2,626/mo
Today · 4.125%
HK$101,737
baseline
▲ 0.50% · 4.625%
HK$107,100
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,474/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,551
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,021
−HK$3,526/mo
Today · 4.125%
HK$118,547
baseline
▲ 0.50% · 4.625%
HK$125,760
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,094/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,100
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,428
−HK$3,377/mo
Today · 4.125%
HK$130,805
baseline
▲ 0.50% · 4.625%
HK$137,699
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,610/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,069 · Scale 2, in force from 26 Feb 2026)