LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,979
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,907
−HK$1,959/mo
Today · 4.125%
HK$65,866
baseline
▲ 0.50% · 4.625%
HK$69,874
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,732/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,951
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,801
−HK$1,876/mo
Today · 4.125%
HK$72,677
baseline
▲ 0.50% · 4.625%
HK$76,507
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,354/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,375
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,689
−HK$2,350/mo
Today · 4.125%
HK$79,039
baseline
▲ 0.50% · 4.625%
HK$83,848
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,078/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,742
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,961
−HK$2,251/mo
Today · 4.125%
HK$87,212
baseline
▲ 0.50% · 4.625%
HK$91,809
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,424/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,771
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,470
−HK$2,742/mo
Today · 4.125%
HK$92,212
baseline
▲ 0.50% · 4.625%
HK$97,823
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,424/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,532
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,121
−HK$2,626/mo
Today · 4.125%
HK$101,747
baseline
▲ 0.50% · 4.625%
HK$107,110
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,494/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,563
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,033
−HK$3,526/mo
Today · 4.125%
HK$118,559
baseline
▲ 0.50% · 4.625%
HK$125,773
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,118/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,112
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,441
−HK$3,377/mo
Today · 4.125%
HK$130,818
baseline
▲ 0.50% · 4.625%
HK$137,713
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,636/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,186 · Scale 2, in force from 26 Feb 2026)