LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,984
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,912
−HK$1,959/mo
Today · 4.125%
HK$65,871
baseline
▲ 0.50% · 4.625%
HK$69,879
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,742/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,957
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,806
−HK$1,876/mo
Today · 4.125%
HK$72,682
baseline
▲ 0.50% · 4.625%
HK$76,514
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,364/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,381
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,695
−HK$2,350/mo
Today · 4.125%
HK$79,045
baseline
▲ 0.50% · 4.625%
HK$83,855
+HK$4,810/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,090/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,748
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,252/mo
Today · 4.125%
HK$87,219
baseline
▲ 0.50% · 4.625%
HK$91,816
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,438/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,778
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,477
−HK$2,743/mo
Today · 4.125%
HK$92,220
baseline
▲ 0.50% · 4.625%
HK$97,831
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,440/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,540
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,129
−HK$2,626/mo
Today · 4.125%
HK$101,755
baseline
▲ 0.50% · 4.625%
HK$107,119
+HK$5,364/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,510/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,572
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,042
−HK$3,526/mo
Today · 4.125%
HK$118,568
baseline
▲ 0.50% · 4.625%
HK$125,783
+HK$7,215/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,136/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,122
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,451
−HK$3,377/mo
Today · 4.125%
HK$130,828
baseline
▲ 0.50% · 4.625%
HK$137,724
+HK$6,896/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,656/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,278 · Scale 2, in force from 26 Feb 2026)