LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,044
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,974
−HK$1,961/mo
Today · 4.125%
HK$65,935
baseline
▲ 0.50% · 4.625%
HK$69,947
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,870/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$1,878/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$3,835/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,453
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,769
−HK$2,353/mo
Today · 4.125%
HK$79,122
baseline
▲ 0.50% · 4.625%
HK$83,936
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,244/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,828
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,050
−HK$2,253/mo
Today · 4.125%
HK$87,303
baseline
▲ 0.50% · 4.625%
HK$91,905
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,606/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,862
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,564
−HK$2,745/mo
Today · 4.125%
HK$92,309
baseline
▲ 0.50% · 4.625%
HK$97,926
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,618/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,633
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,225
−HK$2,629/mo
Today · 4.125%
HK$101,854
baseline
▲ 0.50% · 4.625%
HK$107,223
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,708/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,680
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,154
−HK$3,529/mo
Today · 4.125%
HK$118,683
baseline
▲ 0.50% · 4.625%
HK$125,905
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,366/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,243
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,575
−HK$3,380/mo
Today · 4.125%
HK$130,955
baseline
▲ 0.50% · 4.625%
HK$137,858
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,910/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,397 · Scale 2, in force from 26 Feb 2026)