LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,444
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,942/mo
Today · 4.125%
HK$65,297
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,594/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,356
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,189
−HK$1,860/mo
Today · 4.125%
HK$72,049
baseline
▲ 0.50% · 4.625%
HK$75,847
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,098/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,733
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,027
−HK$2,330/mo
Today · 4.125%
HK$78,357
baseline
▲ 0.50% · 4.625%
HK$83,125
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,714/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,027
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,227
−HK$2,232/mo
Today · 4.125%
HK$86,459
baseline
▲ 0.50% · 4.625%
HK$91,016
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,918/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,022
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,718/mo
Today · 4.125%
HK$91,416
baseline
▲ 0.50% · 4.625%
HK$96,979
+HK$5,563/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,832/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,698
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,265
−HK$2,604/mo
Today · 4.125%
HK$100,869
baseline
▲ 0.50% · 4.625%
HK$106,186
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,738/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,600
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,040
−HK$3,495/mo
Today · 4.125%
HK$117,535
baseline
▲ 0.50% · 4.625%
HK$124,687
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,070/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,041
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,341
−HK$3,347/mo
Today · 4.125%
HK$129,688
baseline
▲ 0.50% · 4.625%
HK$136,524
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,376/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,213 · Scale 2, in force from 26 Feb 2026)