LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,027
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,957
−HK$1,960/mo
Today · 4.125%
HK$65,917
baseline
▲ 0.50% · 4.625%
HK$69,928
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,834/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,005
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,856
−HK$1,877/mo
Today · 4.125%
HK$72,733
baseline
▲ 0.50% · 4.625%
HK$76,567
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,466/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,433
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,353/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,914
+HK$4,813/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,806
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,027
−HK$2,253/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$91,880
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,838
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,540
−HK$2,744/mo
Today · 4.125%
HK$92,284
baseline
▲ 0.50% · 4.625%
HK$97,899
+HK$5,615/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,568/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,607
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,198
−HK$2,628/mo
Today · 4.125%
HK$101,826
baseline
▲ 0.50% · 4.625%
HK$107,194
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,652/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,649
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,122
−HK$3,529/mo
Today · 4.125%
HK$118,651
baseline
▲ 0.50% · 4.625%
HK$125,870
+HK$7,219/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,302/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,209
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,540
−HK$3,379/mo
Today · 4.125%
HK$130,919
baseline
▲ 0.50% · 4.625%
HK$137,820
+HK$6,901/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,838/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,084 · Scale 2, in force from 26 Feb 2026)