LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,451
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,363
−HK$1,942/mo
Today · 4.125%
HK$65,305
baseline
▲ 0.50% · 4.625%
HK$69,278
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,610/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,364
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$1,860/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$75,856
+HK$3,799/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,741
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,035
−HK$2,331/mo
Today · 4.125%
HK$78,366
baseline
▲ 0.50% · 4.625%
HK$83,134
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,732/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,037
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,237
−HK$2,232/mo
Today · 4.125%
HK$86,469
baseline
▲ 0.50% · 4.625%
HK$91,027
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,938/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,032
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,708
−HK$2,719/mo
Today · 4.125%
HK$91,427
baseline
▲ 0.50% · 4.625%
HK$96,990
+HK$5,563/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,854/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,709
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,276
−HK$2,604/mo
Today · 4.125%
HK$100,880
baseline
▲ 0.50% · 4.625%
HK$106,198
+HK$5,318/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,760/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,612
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,053
−HK$3,496/mo
Today · 4.125%
HK$117,549
baseline
▲ 0.50% · 4.625%
HK$124,701
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,098/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,055
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,355
−HK$3,348/mo
Today · 4.125%
HK$129,703
baseline
▲ 0.50% · 4.625%
HK$136,540
+HK$6,837/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,406/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,344 · Scale 2, in force from 26 Feb 2026)