LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,448
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,359
−HK$1,942/mo
Today · 4.125%
HK$65,301
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,974/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,602/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,194
−HK$1,860/mo
Today · 4.125%
HK$72,054
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,108/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,738
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,031
−HK$2,331/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$83,130
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,032
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,232
−HK$2,232/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,022
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,027
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,703
−HK$2,719/mo
Today · 4.125%
HK$91,422
baseline
▲ 0.50% · 4.625%
HK$96,985
+HK$5,563/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,844/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,704
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,271
−HK$2,604/mo
Today · 4.125%
HK$100,875
baseline
▲ 0.50% · 4.625%
HK$106,192
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,750/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,606
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,047
−HK$3,495/mo
Today · 4.125%
HK$117,542
baseline
▲ 0.50% · 4.625%
HK$124,694
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,084/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,048
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,348
−HK$3,348/mo
Today · 4.125%
HK$129,696
baseline
▲ 0.50% · 4.625%
HK$136,533
+HK$6,837/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,392/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,283 · Scale 2, in force from 26 Feb 2026)