LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,332
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,240
−HK$1,938/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,966/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,232
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,061
−HK$1,857/mo
Today · 4.125%
HK$71,918
baseline
▲ 0.50% · 4.625%
HK$75,709
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,836/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,599
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,888
−HK$2,326/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,759/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,878
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,074
−HK$2,227/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$90,851
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,865
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,536
−HK$2,714/mo
Today · 4.125%
HK$91,250
baseline
▲ 0.50% · 4.625%
HK$96,802
+HK$5,552/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,500/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,524
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,086
−HK$2,599/mo
Today · 4.125%
HK$100,685
baseline
▲ 0.50% · 4.625%
HK$105,992
+HK$5,307/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,370/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,398
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,832
−HK$3,489/mo
Today · 4.125%
HK$117,321
baseline
▲ 0.50% · 4.625%
HK$124,460
+HK$7,139/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,642/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,817
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,111
−HK$3,341/mo
Today · 4.125%
HK$129,452
baseline
▲ 0.50% · 4.625%
HK$136,276
+HK$6,824/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,904/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,127 · Scale 2, in force from 26 Feb 2026)