LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,087
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,018
−HK$1,962/mo
Today · 4.125%
HK$65,980
baseline
▲ 0.50% · 4.625%
HK$69,995
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,960/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,071
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,924
−HK$1,879/mo
Today · 4.125%
HK$72,803
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,606/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,822
−HK$2,354/mo
Today · 4.125%
HK$79,176
baseline
▲ 0.50% · 4.625%
HK$83,994
+HK$4,818/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,352/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,885
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,108
−HK$2,255/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$91,968
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,922
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,625
−HK$2,747/mo
Today · 4.125%
HK$92,372
baseline
▲ 0.50% · 4.625%
HK$97,993
+HK$5,621/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,744/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,700
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,293
−HK$2,631/mo
Today · 4.125%
HK$101,924
baseline
▲ 0.50% · 4.625%
HK$107,296
+HK$5,372/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,848/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,757
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,233
−HK$3,532/mo
Today · 4.125%
HK$118,765
baseline
▲ 0.50% · 4.625%
HK$125,991
+HK$7,226/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,530/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,328
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,662
−HK$3,383/mo
Today · 4.125%
HK$131,045
baseline
▲ 0.50% · 4.625%
HK$137,953
+HK$6,908/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,090/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,193 · Scale 2, in force from 26 Feb 2026)