LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,441
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,941/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,352
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,185
−HK$1,860/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$75,843
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,022
−HK$2,330/mo
Today · 4.125%
HK$78,352
baseline
▲ 0.50% · 4.625%
HK$83,120
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,704/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,023
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,222
−HK$2,232/mo
Today · 4.125%
HK$86,454
baseline
▲ 0.50% · 4.625%
HK$91,011
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,908/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,017
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,692
−HK$2,719/mo
Today · 4.125%
HK$91,411
baseline
▲ 0.50% · 4.625%
HK$96,973
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,822/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,693
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,259
−HK$2,604/mo
Today · 4.125%
HK$100,863
baseline
▲ 0.50% · 4.625%
HK$106,180
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,726/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,593
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,033
−HK$3,495/mo
Today · 4.125%
HK$117,528
baseline
▲ 0.50% · 4.625%
HK$124,680
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,056/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,034
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,333
−HK$3,348/mo
Today · 4.125%
HK$129,681
baseline
▲ 0.50% · 4.625%
HK$136,517
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,362/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,147 · Scale 2, in force from 26 Feb 2026)