LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,985
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,913
−HK$1,959/mo
Today · 4.125%
HK$65,872
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$4,009/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,744/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,958
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$1,877/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$76,515
+HK$3,831/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,368/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,382
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,696
−HK$2,351/mo
Today · 4.125%
HK$79,047
baseline
▲ 0.50% · 4.625%
HK$83,857
+HK$4,810/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,094/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,750
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,969
−HK$2,251/mo
Today · 4.125%
HK$87,220
baseline
▲ 0.50% · 4.625%
HK$91,818
+HK$4,598/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,440/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,779
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,479
−HK$2,742/mo
Today · 4.125%
HK$92,221
baseline
▲ 0.50% · 4.625%
HK$97,833
+HK$5,612/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,442/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,541
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,130
−HK$2,627/mo
Today · 4.125%
HK$101,757
baseline
▲ 0.50% · 4.625%
HK$107,121
+HK$5,364/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,514/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,574
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,044
−HK$3,526/mo
Today · 4.125%
HK$118,570
baseline
▲ 0.50% · 4.625%
HK$125,785
+HK$7,215/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,140/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,125
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,453
−HK$3,378/mo
Today · 4.125%
HK$130,831
baseline
▲ 0.50% · 4.625%
HK$137,727
+HK$6,896/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,662/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,299 · Scale 2, in force from 26 Feb 2026)