LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,060
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,991
−HK$1,961/mo
Today · 4.125%
HK$65,952
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,904/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,042
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,893
−HK$1,879/mo
Today · 4.125%
HK$72,772
baseline
▲ 0.50% · 4.625%
HK$76,608
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,544/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,472
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,789
−HK$2,353/mo
Today · 4.125%
HK$79,142
baseline
▲ 0.50% · 4.625%
HK$83,958
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,284/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,850
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,072
−HK$2,254/mo
Today · 4.125%
HK$87,326
baseline
▲ 0.50% · 4.625%
HK$91,929
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,652/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,884
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,587
−HK$2,746/mo
Today · 4.125%
HK$92,333
baseline
▲ 0.50% · 4.625%
HK$97,951
+HK$5,618/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,666/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,658
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,250
−HK$2,630/mo
Today · 4.125%
HK$101,880
baseline
▲ 0.50% · 4.625%
HK$107,251
+HK$5,371/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,760/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,709
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,183
−HK$3,531/mo
Today · 4.125%
HK$118,714
baseline
▲ 0.50% · 4.625%
HK$125,937
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,428/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,275
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,608
−HK$3,381/mo
Today · 4.125%
HK$130,989
baseline
▲ 0.50% · 4.625%
HK$137,894
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,978/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,697 · Scale 2, in force from 26 Feb 2026)