LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,079
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,962/mo
Today · 4.125%
HK$65,972
baseline
▲ 0.50% · 4.625%
HK$69,986
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,944/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,062
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,915
−HK$1,879/mo
Today · 4.125%
HK$72,794
baseline
▲ 0.50% · 4.625%
HK$76,631
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,588/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,495
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,812
−HK$2,354/mo
Today · 4.125%
HK$79,166
baseline
▲ 0.50% · 4.625%
HK$83,984
+HK$4,818/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,332/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,875
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,098
−HK$2,254/mo
Today · 4.125%
HK$87,352
baseline
▲ 0.50% · 4.625%
HK$91,957
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,704/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,911
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,614
−HK$2,747/mo
Today · 4.125%
HK$92,361
baseline
▲ 0.50% · 4.625%
HK$97,981
+HK$5,620/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,722/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,687
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,280
−HK$2,631/mo
Today · 4.125%
HK$101,911
baseline
▲ 0.50% · 4.625%
HK$107,283
+HK$5,372/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,822/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,742
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,218
−HK$3,532/mo
Today · 4.125%
HK$118,750
baseline
▲ 0.50% · 4.625%
HK$125,975
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,500/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,312
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,646
−HK$3,383/mo
Today · 4.125%
HK$131,029
baseline
▲ 0.50% · 4.625%
HK$137,935
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,058/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,047 · Scale 2, in force from 26 Feb 2026)