LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,075
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,975
−HK$1,930/mo
Today · 4.125%
HK$64,905
baseline
▲ 0.50% · 4.625%
HK$68,854
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,810/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,946
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,768
−HK$1,848/mo
Today · 4.125%
HK$71,616
baseline
▲ 0.50% · 4.625%
HK$75,391
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,232/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,290
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,570
−HK$2,316/mo
Today · 4.125%
HK$77,886
baseline
▲ 0.50% · 4.625%
HK$82,625
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,772/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,535
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,721
−HK$2,219/mo
Today · 4.125%
HK$85,940
baseline
▲ 0.50% · 4.625%
HK$90,470
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,880/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,505
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,165
−HK$2,702/mo
Today · 4.125%
HK$90,867
baseline
▲ 0.50% · 4.625%
HK$96,396
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,734/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,124
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,675
−HK$2,588/mo
Today · 4.125%
HK$100,263
baseline
▲ 0.50% · 4.625%
HK$105,548
+HK$5,285/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,526/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,935
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,355
−HK$3,474/mo
Today · 4.125%
HK$116,829
baseline
▲ 0.50% · 4.625%
HK$123,938
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,658/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,302
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,582
−HK$3,327/mo
Today · 4.125%
HK$128,909
baseline
▲ 0.50% · 4.625%
HK$135,704
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,818/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,335 · Scale 2, in force from 26 Feb 2026)