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$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,959
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$1,876/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$3,832/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$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,383
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,697
−HK$2,351/mo
Today · 4.125%
HK$79,048
baseline
▲ 0.50% · 4.625%
HK$83,858
+HK$4,810/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,096/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,751
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,970
−HK$2,251/mo
Today · 4.125%
HK$87,221
baseline
▲ 0.50% · 4.625%
HK$91,819
+HK$4,598/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$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,780
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,480
−HK$2,742/mo
Today · 4.125%
HK$92,222
baseline
▲ 0.50% · 4.625%
HK$97,834
+HK$5,612/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$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,542
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,132
−HK$2,626/mo
Today · 4.125%
HK$101,758
baseline
▲ 0.50% · 4.625%
HK$107,122
+HK$5,364/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,516/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,575
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,045
−HK$3,527/mo
Today · 4.125%
HK$118,572
baseline
▲ 0.50% · 4.625%
HK$125,786
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,144/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,126
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,455
−HK$3,377/mo
Today · 4.125%
HK$130,832
baseline
▲ 0.50% · 4.625%
HK$137,728
+HK$6,896/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,664/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,311 · Scale 2, in force from 26 Feb 2026)