LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,059
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,989
−HK$1,961/mo
Today · 4.125%
HK$65,950
baseline
▲ 0.50% · 4.625%
HK$69,963
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,900/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,040
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$1,879/mo
Today · 4.125%
HK$72,770
baseline
▲ 0.50% · 4.625%
HK$76,606
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,540/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,471
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,787
−HK$2,353/mo
Today · 4.125%
HK$79,140
baseline
▲ 0.50% · 4.625%
HK$83,956
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,280/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,848
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,070
−HK$2,254/mo
Today · 4.125%
HK$87,324
baseline
▲ 0.50% · 4.625%
HK$91,927
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,648/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,882
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,585
−HK$2,746/mo
Today · 4.125%
HK$92,331
baseline
▲ 0.50% · 4.625%
HK$97,949
+HK$5,618/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,662/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,656
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,248
−HK$2,630/mo
Today · 4.125%
HK$101,878
baseline
▲ 0.50% · 4.625%
HK$107,248
+HK$5,370/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,756/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,706
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,180
−HK$3,531/mo
Today · 4.125%
HK$118,711
baseline
▲ 0.50% · 4.625%
HK$125,934
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,422/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,272
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,604
−HK$3,382/mo
Today · 4.125%
HK$130,986
baseline
▲ 0.50% · 4.625%
HK$137,890
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,972/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,668 · Scale 2, in force from 26 Feb 2026)