LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,051
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,981
−HK$1,961/mo
Today · 4.125%
HK$65,942
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,884/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,031
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,883
−HK$1,878/mo
Today · 4.125%
HK$72,761
baseline
▲ 0.50% · 4.625%
HK$76,596
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,522/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,461
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,777
−HK$2,354/mo
Today · 4.125%
HK$79,131
baseline
▲ 0.50% · 4.625%
HK$83,946
+HK$4,815/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,262/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,837
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,059
−HK$2,254/mo
Today · 4.125%
HK$87,313
baseline
▲ 0.50% · 4.625%
HK$91,915
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,626/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,871
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,574
−HK$2,745/mo
Today · 4.125%
HK$92,319
baseline
▲ 0.50% · 4.625%
HK$97,936
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,638/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,644
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,236
−HK$2,629/mo
Today · 4.125%
HK$101,865
baseline
▲ 0.50% · 4.625%
HK$107,234
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,730/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,692
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,166
−HK$3,530/mo
Today · 4.125%
HK$118,696
baseline
▲ 0.50% · 4.625%
HK$125,918
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,392/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,256
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,589
−HK$3,380/mo
Today · 4.125%
HK$130,969
baseline
▲ 0.50% · 4.625%
HK$137,873
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,938/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,524 · Scale 2, in force from 26 Feb 2026)