LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,049
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,961/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,952
+HK$4,012/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,028
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$1,878/mo
Today · 4.125%
HK$72,758
baseline
▲ 0.50% · 4.625%
HK$76,593
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,516/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,458
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,353/mo
Today · 4.125%
HK$79,127
baseline
▲ 0.50% · 4.625%
HK$83,942
+HK$4,815/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,254/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,834
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,056
−HK$2,253/mo
Today · 4.125%
HK$87,309
baseline
▲ 0.50% · 4.625%
HK$91,911
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,618/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,868
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,570
−HK$2,745/mo
Today · 4.125%
HK$92,315
baseline
▲ 0.50% · 4.625%
HK$97,932
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,630/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,640
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,232
−HK$2,629/mo
Today · 4.125%
HK$101,861
baseline
▲ 0.50% · 4.625%
HK$107,230
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,722/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,687
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,161
−HK$3,530/mo
Today · 4.125%
HK$118,691
baseline
▲ 0.50% · 4.625%
HK$125,913
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,382/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,251
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,583
−HK$3,381/mo
Today · 4.125%
HK$130,964
baseline
▲ 0.50% · 4.625%
HK$137,867
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,928/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,477 · Scale 2, in force from 26 Feb 2026)