LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,043
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,973
−HK$1,960/mo
Today · 4.125%
HK$65,933
baseline
▲ 0.50% · 4.625%
HK$69,945
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,866/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,022
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,873
−HK$1,878/mo
Today · 4.125%
HK$72,751
baseline
▲ 0.50% · 4.625%
HK$76,586
+HK$3,835/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,502/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,451
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,767
−HK$2,353/mo
Today · 4.125%
HK$79,120
baseline
▲ 0.50% · 4.625%
HK$83,934
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,240/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,826
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,048
−HK$2,253/mo
Today · 4.125%
HK$87,301
baseline
▲ 0.50% · 4.625%
HK$91,903
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,602/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,860
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,562
−HK$2,745/mo
Today · 4.125%
HK$92,307
baseline
▲ 0.50% · 4.625%
HK$97,923
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,614/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,631
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,222
−HK$2,629/mo
Today · 4.125%
HK$101,851
baseline
▲ 0.50% · 4.625%
HK$107,220
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,702/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,677
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,151
−HK$3,529/mo
Today · 4.125%
HK$118,680
baseline
▲ 0.50% · 4.625%
HK$125,902
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,360/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,240
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,572
−HK$3,380/mo
Today · 4.125%
HK$130,952
baseline
▲ 0.50% · 4.625%
HK$137,855
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,904/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,370 · Scale 2, in force from 26 Feb 2026)