LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,041
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,971
−HK$1,960/mo
Today · 4.125%
HK$65,931
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,862/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,020
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$1,878/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$76,583
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,449
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,765
−HK$2,353/mo
Today · 4.125%
HK$79,118
baseline
▲ 0.50% · 4.625%
HK$83,932
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,236/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,824
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,045
−HK$2,254/mo
Today · 4.125%
HK$87,299
baseline
▲ 0.50% · 4.625%
HK$91,900
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,598/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,857
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,559
−HK$2,745/mo
Today · 4.125%
HK$92,304
baseline
▲ 0.50% · 4.625%
HK$97,920
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,608/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,628
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,219
−HK$2,629/mo
Today · 4.125%
HK$101,848
baseline
▲ 0.50% · 4.625%
HK$107,217
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,696/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,674
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,147
−HK$3,529/mo
Today · 4.125%
HK$118,676
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,352/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,236
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,568
−HK$3,380/mo
Today · 4.125%
HK$130,948
baseline
▲ 0.50% · 4.625%
HK$137,850
+HK$6,902/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,896/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,334 · Scale 2, in force from 26 Feb 2026)