LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,091
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,022
−HK$1,963/mo
Today · 4.125%
HK$65,985
baseline
▲ 0.50% · 4.625%
HK$70,000
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,970/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,076
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,928
−HK$1,879/mo
Today · 4.125%
HK$72,807
baseline
▲ 0.50% · 4.625%
HK$76,645
+HK$3,838/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,614/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,509
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,827
−HK$2,354/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,999
+HK$4,818/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,891
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,114
−HK$2,255/mo
Today · 4.125%
HK$87,369
baseline
▲ 0.50% · 4.625%
HK$91,974
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,738/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,927
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,631
−HK$2,747/mo
Today · 4.125%
HK$92,378
baseline
▲ 0.50% · 4.625%
HK$97,999
+HK$5,621/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,756/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,706
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,299
−HK$2,631/mo
Today · 4.125%
HK$101,930
baseline
▲ 0.50% · 4.625%
HK$107,303
+HK$5,373/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,860/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,764
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,240
−HK$3,532/mo
Today · 4.125%
HK$118,772
baseline
▲ 0.50% · 4.625%
HK$125,999
+HK$7,227/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,544/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,336
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,671
−HK$3,382/mo
Today · 4.125%
HK$131,053
baseline
▲ 0.50% · 4.625%
HK$137,961
+HK$6,908/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,106/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,267 · Scale 2, in force from 26 Feb 2026)