LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,014
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,943
−HK$1,960/mo
Today · 4.125%
HK$65,903
baseline
▲ 0.50% · 4.625%
HK$69,913
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,806/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,990
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,840
−HK$1,877/mo
Today · 4.125%
HK$72,717
baseline
▲ 0.50% · 4.625%
HK$76,550
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,434/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,417
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,731
−HK$2,352/mo
Today · 4.125%
HK$79,083
baseline
▲ 0.50% · 4.625%
HK$83,895
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,166/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,788
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,008
−HK$2,252/mo
Today · 4.125%
HK$87,260
baseline
▲ 0.50% · 4.625%
HK$91,860
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,520/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,819
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,520
−HK$2,744/mo
Today · 4.125%
HK$92,264
baseline
▲ 0.50% · 4.625%
HK$97,878
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,528/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,586
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,176
−HK$2,628/mo
Today · 4.125%
HK$101,804
baseline
▲ 0.50% · 4.625%
HK$107,170
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,608/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,625
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,097
−HK$3,528/mo
Today · 4.125%
HK$118,625
baseline
▲ 0.50% · 4.625%
HK$125,843
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,250/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,182
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,512
−HK$3,379/mo
Today · 4.125%
HK$130,891
baseline
▲ 0.50% · 4.625%
HK$137,790
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,782/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,830 · Scale 2, in force from 26 Feb 2026)