LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,082
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,013
−HK$1,962/mo
Today · 4.125%
HK$65,975
baseline
▲ 0.50% · 4.625%
HK$69,989
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,950/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,065
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$1,880/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,498
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,815
−HK$2,355/mo
Today · 4.125%
HK$79,170
baseline
▲ 0.50% · 4.625%
HK$83,987
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,340/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,878
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,101
−HK$2,255/mo
Today · 4.125%
HK$87,356
baseline
▲ 0.50% · 4.625%
HK$91,960
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,712/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,914
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,618
−HK$2,746/mo
Today · 4.125%
HK$92,364
baseline
▲ 0.50% · 4.625%
HK$97,985
+HK$5,621/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,728/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,691
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,284
−HK$2,631/mo
Today · 4.125%
HK$101,915
baseline
▲ 0.50% · 4.625%
HK$107,287
+HK$5,372/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,830/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,747
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,223
−HK$3,531/mo
Today · 4.125%
HK$118,754
baseline
▲ 0.50% · 4.625%
HK$125,980
+HK$7,226/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,508/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,317
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,651
−HK$3,383/mo
Today · 4.125%
HK$131,034
baseline
▲ 0.50% · 4.625%
HK$137,941
+HK$6,907/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,068/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,093 · Scale 2, in force from 26 Feb 2026)