LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,105
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,037
−HK$1,963/mo
Today · 4.125%
HK$66,000
baseline
▲ 0.50% · 4.625%
HK$70,016
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,000/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,091
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,944
−HK$1,880/mo
Today · 4.125%
HK$72,824
baseline
▲ 0.50% · 4.625%
HK$76,663
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,648/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,526
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,844
−HK$2,356/mo
Today · 4.125%
HK$79,200
baseline
▲ 0.50% · 4.625%
HK$84,019
+HK$4,819/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,400/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,910
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,133
−HK$2,256/mo
Today · 4.125%
HK$87,389
baseline
▲ 0.50% · 4.625%
HK$91,995
+HK$4,606/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,778/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,652
−HK$2,747/mo
Today · 4.125%
HK$92,399
baseline
▲ 0.50% · 4.625%
HK$98,022
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,798/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,728
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,322
−HK$2,632/mo
Today · 4.125%
HK$101,954
baseline
▲ 0.50% · 4.625%
HK$107,328
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,908/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,789
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,266
−HK$3,533/mo
Today · 4.125%
HK$118,799
baseline
▲ 0.50% · 4.625%
HK$126,028
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,598/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,364
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,700
−HK$3,383/mo
Today · 4.125%
HK$131,083
baseline
▲ 0.50% · 4.625%
HK$137,993
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,166/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,531 · Scale 2, in force from 26 Feb 2026)