LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,047
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,961/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,950
+HK$4,012/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,027
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$1,878/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$76,591
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,456
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,353/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,940
+HK$4,815/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,832
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,254/mo
Today · 4.125%
HK$87,307
baseline
▲ 0.50% · 4.625%
HK$91,909
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,614/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,866
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,568
−HK$2,745/mo
Today · 4.125%
HK$92,313
baseline
▲ 0.50% · 4.625%
HK$97,930
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,626/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,637
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,229
−HK$2,629/mo
Today · 4.125%
HK$101,858
baseline
▲ 0.50% · 4.625%
HK$107,227
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,716/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,685
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,159
−HK$3,529/mo
Today · 4.125%
HK$118,688
baseline
▲ 0.50% · 4.625%
HK$125,910
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,376/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,248
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,580
−HK$3,381/mo
Today · 4.125%
HK$130,961
baseline
▲ 0.50% · 4.625%
HK$137,864
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,922/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,448 · Scale 2, in force from 26 Feb 2026)