LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,038
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,960/mo
Today · 4.125%
HK$65,928
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,856/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,017
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,868
−HK$1,878/mo
Today · 4.125%
HK$72,746
baseline
▲ 0.50% · 4.625%
HK$76,580
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,492/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,446
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,761
−HK$2,353/mo
Today · 4.125%
HK$79,114
baseline
▲ 0.50% · 4.625%
HK$83,928
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,228/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,820
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,041
−HK$2,254/mo
Today · 4.125%
HK$87,295
baseline
▲ 0.50% · 4.625%
HK$91,896
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,590/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,853
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,555
−HK$2,745/mo
Today · 4.125%
HK$92,300
baseline
▲ 0.50% · 4.625%
HK$97,916
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,600/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,623
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,215
−HK$2,629/mo
Today · 4.125%
HK$101,844
baseline
▲ 0.50% · 4.625%
HK$107,212
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,688/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,669
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,142
−HK$3,529/mo
Today · 4.125%
HK$118,671
baseline
▲ 0.50% · 4.625%
HK$125,892
+HK$7,221/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,342/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,230
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,562
−HK$3,380/mo
Today · 4.125%
HK$130,942
baseline
▲ 0.50% · 4.625%
HK$137,844
+HK$6,902/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,884/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,283 · Scale 2, in force from 26 Feb 2026)