LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,029
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,958
−HK$1,961/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,929
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,006
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,857
−HK$1,878/mo
Today · 4.125%
HK$72,735
baseline
▲ 0.50% · 4.625%
HK$76,569
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,470/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,750
−HK$2,352/mo
Today · 4.125%
HK$79,102
baseline
▲ 0.50% · 4.625%
HK$83,915
+HK$4,813/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,204/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,029
−HK$2,252/mo
Today · 4.125%
HK$87,281
baseline
▲ 0.50% · 4.625%
HK$91,882
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,562/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,840
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,541
−HK$2,745/mo
Today · 4.125%
HK$92,286
baseline
▲ 0.50% · 4.625%
HK$97,901
+HK$5,615/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,572/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,609
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,200
−HK$2,628/mo
Today · 4.125%
HK$101,828
baseline
▲ 0.50% · 4.625%
HK$107,196
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,656/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,652
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,125
−HK$3,528/mo
Today · 4.125%
HK$118,653
baseline
▲ 0.50% · 4.625%
HK$125,873
+HK$7,220/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,306/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,211
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$127,543
−HK$3,379/mo
Today · 4.125%
HK$130,922
baseline
▲ 0.50% · 4.625%
HK$137,823
+HK$6,901/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,844/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,108 · Scale 2, in force from 26 Feb 2026)