LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,454
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,942/mo
Today · 4.125%
HK$65,308
baseline
▲ 0.50% · 4.625%
HK$69,281
+HK$3,973/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,616/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,200
−HK$1,861/mo
Today · 4.125%
HK$72,061
baseline
▲ 0.50% · 4.625%
HK$75,859
+HK$3,798/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,122/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,330/mo
Today · 4.125%
HK$78,369
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,738/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,040
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,241
−HK$2,232/mo
Today · 4.125%
HK$86,473
baseline
▲ 0.50% · 4.625%
HK$91,031
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,946/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,036
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,712
−HK$2,719/mo
Today · 4.125%
HK$91,431
baseline
▲ 0.50% · 4.625%
HK$96,994
+HK$5,563/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,862/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,714
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,281
−HK$2,604/mo
Today · 4.125%
HK$100,885
baseline
▲ 0.50% · 4.625%
HK$106,203
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,770/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,617
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,058
−HK$3,496/mo
Today · 4.125%
HK$117,554
baseline
▲ 0.50% · 4.625%
HK$124,707
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,108/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,060
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,361
−HK$3,348/mo
Today · 4.125%
HK$129,709
baseline
▲ 0.50% · 4.625%
HK$136,546
+HK$6,837/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,418/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,395 · Scale 2, in force from 26 Feb 2026)