LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,012
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,960/mo
Today · 4.125%
HK$65,900
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,800/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,987
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,837
−HK$1,877/mo
Today · 4.125%
HK$72,714
baseline
▲ 0.50% · 4.625%
HK$76,547
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,428/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,414
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,729
−HK$2,351/mo
Today · 4.125%
HK$79,080
baseline
▲ 0.50% · 4.625%
HK$83,892
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,160/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,785
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,005
−HK$2,252/mo
Today · 4.125%
HK$87,257
baseline
▲ 0.50% · 4.625%
HK$91,857
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,514/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,816
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,517
−HK$2,743/mo
Today · 4.125%
HK$92,260
baseline
▲ 0.50% · 4.625%
HK$97,874
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,520/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,582
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,172
−HK$2,628/mo
Today · 4.125%
HK$101,800
baseline
▲ 0.50% · 4.625%
HK$107,166
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,600/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,621
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,093
−HK$3,527/mo
Today · 4.125%
HK$118,620
baseline
▲ 0.50% · 4.625%
HK$125,838
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,240/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,177
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,507
−HK$3,379/mo
Today · 4.125%
HK$130,886
baseline
▲ 0.50% · 4.625%
HK$137,785
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,772/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,787 · Scale 2, in force from 26 Feb 2026)