LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,226
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,935/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$69,024
+HK$3,959/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,940
−HK$1,853/mo
Today · 4.125%
HK$71,793
baseline
▲ 0.50% · 4.625%
HK$75,577
+HK$3,784/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,586/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,471
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,756
−HK$2,322/mo
Today · 4.125%
HK$78,078
baseline
▲ 0.50% · 4.625%
HK$82,829
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,156/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,736
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,928
−HK$2,224/mo
Today · 4.125%
HK$86,152
baseline
▲ 0.50% · 4.625%
HK$90,693
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,304/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,716
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,708/mo
Today · 4.125%
HK$91,091
baseline
▲ 0.50% · 4.625%
HK$96,634
+HK$5,543/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,182/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,916
−HK$2,594/mo
Today · 4.125%
HK$100,510
baseline
▲ 0.50% · 4.625%
HK$105,808
+HK$5,298/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,020/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,207
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,635
−HK$3,483/mo
Today · 4.125%
HK$117,118
baseline
▲ 0.50% · 4.625%
HK$124,244
+HK$7,126/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,236/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,604
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,892
−HK$3,336/mo
Today · 4.125%
HK$129,228
baseline
▲ 0.50% · 4.625%
HK$136,039
+HK$6,811/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,456/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,145 · Scale 2, in force from 26 Feb 2026)