LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,334
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,241
−HK$1,939/mo
Today · 4.125%
HK$65,180
baseline
▲ 0.50% · 4.625%
HK$69,146
+HK$3,966/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,360/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,233
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,063
−HK$1,856/mo
Today · 4.125%
HK$71,919
baseline
▲ 0.50% · 4.625%
HK$75,710
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,838/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,600
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,890
−HK$2,326/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,759/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,880
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,076
−HK$2,227/mo
Today · 4.125%
HK$86,303
baseline
▲ 0.50% · 4.625%
HK$90,852
+HK$4,549/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,606/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,867
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,538
−HK$2,714/mo
Today · 4.125%
HK$91,252
baseline
▲ 0.50% · 4.625%
HK$96,804
+HK$5,552/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,504/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,526
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,088
−HK$2,599/mo
Today · 4.125%
HK$100,687
baseline
▲ 0.50% · 4.625%
HK$105,995
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,374/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,400
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,835
−HK$3,489/mo
Today · 4.125%
HK$117,324
baseline
▲ 0.50% · 4.625%
HK$124,462
+HK$7,138/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,648/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,819
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,113
−HK$3,342/mo
Today · 4.125%
HK$129,455
baseline
▲ 0.50% · 4.625%
HK$136,279
+HK$6,824/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,910/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,151 · Scale 2, in force from 26 Feb 2026)