LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,040
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,970
−HK$1,960/mo
Today · 4.125%
HK$65,930
baseline
▲ 0.50% · 4.625%
HK$69,942
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,860/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,019
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$1,877/mo
Today · 4.125%
HK$72,747
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$3,835/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,494/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,448
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,763
−HK$2,353/mo
Today · 4.125%
HK$79,116
baseline
▲ 0.50% · 4.625%
HK$83,930
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,232/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,822
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,044
−HK$2,253/mo
Today · 4.125%
HK$87,297
baseline
▲ 0.50% · 4.625%
HK$91,898
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,594/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,856
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,557
−HK$2,745/mo
Today · 4.125%
HK$92,302
baseline
▲ 0.50% · 4.625%
HK$97,919
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,604/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,626
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,217
−HK$2,629/mo
Today · 4.125%
HK$101,846
baseline
▲ 0.50% · 4.625%
HK$107,215
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,692/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,671
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,145
−HK$3,529/mo
Today · 4.125%
HK$118,674
baseline
▲ 0.50% · 4.625%
HK$125,895
+HK$7,221/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,348/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,233
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,565
−HK$3,380/mo
Today · 4.125%
HK$130,945
baseline
▲ 0.50% · 4.625%
HK$137,848
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,890/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,313 · Scale 2, in force from 26 Feb 2026)