LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,986
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,959/mo
Today · 4.125%
HK$65,873
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,746/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,958
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$1,876/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$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,383
−HK$4,664/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$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,750
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,969
−HK$2,252/mo
Today · 4.125%
HK$87,221
baseline
▲ 0.50% · 4.625%
HK$91,818
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,442/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,780
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,479
−HK$2,743/mo
Today · 4.125%
HK$92,222
baseline
▲ 0.50% · 4.625%
HK$97,833
+HK$5,611/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,444/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,542
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,131
−HK$2,626/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$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,574
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,045
−HK$3,526/mo
Today · 4.125%
HK$118,571
baseline
▲ 0.50% · 4.625%
HK$125,785
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,142/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,125
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,454
−HK$3,377/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$1,155,303 · Scale 2, in force from 26 Feb 2026)