LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,072
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,003
−HK$1,962/mo
Today · 4.125%
HK$65,965
baseline
▲ 0.50% · 4.625%
HK$69,979
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,930/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,055
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,907
−HK$1,879/mo
Today · 4.125%
HK$72,786
baseline
▲ 0.50% · 4.625%
HK$76,622
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,572/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,487
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,804
−HK$2,354/mo
Today · 4.125%
HK$79,158
baseline
▲ 0.50% · 4.625%
HK$83,974
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,316/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,866
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,088
−HK$2,255/mo
Today · 4.125%
HK$87,343
baseline
▲ 0.50% · 4.625%
HK$91,947
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,686/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,901
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,605
−HK$2,746/mo
Today · 4.125%
HK$92,351
baseline
▲ 0.50% · 4.625%
HK$97,970
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,702/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,677
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,270
−HK$2,630/mo
Today · 4.125%
HK$101,900
baseline
▲ 0.50% · 4.625%
HK$107,271
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,800/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,730
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,206
−HK$3,531/mo
Today · 4.125%
HK$118,737
baseline
▲ 0.50% · 4.625%
HK$125,962
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,474/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,299
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,633
−HK$3,381/mo
Today · 4.125%
HK$131,014
baseline
▲ 0.50% · 4.625%
HK$137,920
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,028/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,922 · Scale 2, in force from 26 Feb 2026)