LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,280
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,187
−HK$1,936/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$69,086
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,174
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,002
−HK$1,855/mo
Today · 4.125%
HK$71,857
baseline
▲ 0.50% · 4.625%
HK$75,645
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,714/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,824
−HK$2,324/mo
Today · 4.125%
HK$78,148
baseline
▲ 0.50% · 4.625%
HK$82,903
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,296/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,809
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$84,003
−HK$2,225/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$90,774
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,792
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,461
−HK$2,711/mo
Today · 4.125%
HK$91,172
baseline
▲ 0.50% · 4.625%
HK$96,720
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,344/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,443
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,003
−HK$2,597/mo
Today · 4.125%
HK$100,600
baseline
▲ 0.50% · 4.625%
HK$105,903
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,200/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,305
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,736
−HK$3,486/mo
Today · 4.125%
HK$117,222
baseline
▲ 0.50% · 4.625%
HK$124,354
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,444/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,713
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,004
−HK$3,339/mo
Today · 4.125%
HK$129,343
baseline
▲ 0.50% · 4.625%
HK$136,160
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,686/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,159 · Scale 2, in force from 26 Feb 2026)