LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,017
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,946
−HK$1,960/mo
Today · 4.125%
HK$65,906
baseline
▲ 0.50% · 4.625%
HK$69,916
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,812/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,993
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,843
−HK$1,877/mo
Today · 4.125%
HK$72,720
baseline
▲ 0.50% · 4.625%
HK$76,553
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,440/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,420
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,735
−HK$2,352/mo
Today · 4.125%
HK$79,087
baseline
▲ 0.50% · 4.625%
HK$83,899
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,174/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,791
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,012
−HK$2,252/mo
Today · 4.125%
HK$87,264
baseline
▲ 0.50% · 4.625%
HK$91,864
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,528/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,823
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,524
−HK$2,744/mo
Today · 4.125%
HK$92,268
baseline
▲ 0.50% · 4.625%
HK$97,882
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,536/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,590
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,180
−HK$2,628/mo
Today · 4.125%
HK$101,808
baseline
▲ 0.50% · 4.625%
HK$107,175
+HK$5,367/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,616/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,630
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,102
−HK$3,528/mo
Today · 4.125%
HK$118,630
baseline
▲ 0.50% · 4.625%
HK$125,848
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,260/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,187
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,518
−HK$3,379/mo
Today · 4.125%
HK$130,897
baseline
▲ 0.50% · 4.625%
HK$137,796
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,794/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,881 · Scale 2, in force from 26 Feb 2026)