LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,456
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,367
−HK$1,942/mo
Today · 4.125%
HK$65,309
baseline
▲ 0.50% · 4.625%
HK$69,283
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,618/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,369
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$1,861/mo
Today · 4.125%
HK$72,063
baseline
▲ 0.50% · 4.625%
HK$75,861
+HK$3,798/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,126/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,747
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,041
−HK$2,330/mo
Today · 4.125%
HK$78,371
baseline
▲ 0.50% · 4.625%
HK$83,140
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,742/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,043
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,243
−HK$2,232/mo
Today · 4.125%
HK$86,475
baseline
▲ 0.50% · 4.625%
HK$91,033
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,950/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,038
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,714
−HK$2,719/mo
Today · 4.125%
HK$91,433
baseline
▲ 0.50% · 4.625%
HK$96,997
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,866/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,716
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,283
−HK$2,605/mo
Today · 4.125%
HK$100,888
baseline
▲ 0.50% · 4.625%
HK$106,206
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,776/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,620
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,061
−HK$3,496/mo
Today · 4.125%
HK$117,557
baseline
▲ 0.50% · 4.625%
HK$124,710
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,114/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,064
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,364
−HK$3,349/mo
Today · 4.125%
HK$129,713
baseline
▲ 0.50% · 4.625%
HK$136,550
+HK$6,837/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,426/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,427 · Scale 2, in force from 26 Feb 2026)