LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,300
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,207
−HK$1,938/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,025
−HK$1,856/mo
Today · 4.125%
HK$71,881
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,762/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,324/mo
Today · 4.125%
HK$78,173
baseline
▲ 0.50% · 4.625%
HK$82,930
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,346/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,030
−HK$2,227/mo
Today · 4.125%
HK$86,257
baseline
▲ 0.50% · 4.625%
HK$90,803
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,514/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,821
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,490
−HK$2,712/mo
Today · 4.125%
HK$91,202
baseline
▲ 0.50% · 4.625%
HK$96,752
+HK$5,550/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,404/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,475
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,035
−HK$2,598/mo
Today · 4.125%
HK$100,633
baseline
▲ 0.50% · 4.625%
HK$105,937
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,266/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,341
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,773
−HK$3,487/mo
Today · 4.125%
HK$117,260
baseline
▲ 0.50% · 4.625%
HK$124,395
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,520/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,753
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,045
−HK$3,340/mo
Today · 4.125%
HK$129,385
baseline
▲ 0.50% · 4.625%
HK$136,205
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,770/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,534 · Scale 2, in force from 26 Feb 2026)