LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,991
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,920
−HK$1,959/mo
Today · 4.125%
HK$65,879
baseline
▲ 0.50% · 4.625%
HK$69,887
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,758/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,965
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,814
−HK$1,877/mo
Today · 4.125%
HK$72,691
baseline
▲ 0.50% · 4.625%
HK$76,522
+HK$3,831/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,382/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,390
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,703
−HK$2,351/mo
Today · 4.125%
HK$79,054
baseline
▲ 0.50% · 4.625%
HK$83,865
+HK$4,811/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,108/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,758
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,977
−HK$2,252/mo
Today · 4.125%
HK$87,229
baseline
▲ 0.50% · 4.625%
HK$91,827
+HK$4,598/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,458/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,788
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,487
−HK$2,743/mo
Today · 4.125%
HK$92,230
baseline
▲ 0.50% · 4.625%
HK$97,842
+HK$5,612/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,460/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,551
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,140
−HK$2,627/mo
Today · 4.125%
HK$101,767
baseline
▲ 0.50% · 4.625%
HK$107,131
+HK$5,364/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,534/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,584
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,055
−HK$3,527/mo
Today · 4.125%
HK$118,582
baseline
▲ 0.50% · 4.625%
HK$125,797
+HK$7,215/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,164/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,136
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,466
−HK$3,377/mo
Today · 4.125%
HK$130,843
baseline
▲ 0.50% · 4.625%
HK$137,740
+HK$6,897/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,686/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,409 · Scale 2, in force from 26 Feb 2026)