LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,457
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,369
−HK$1,942/mo
Today · 4.125%
HK$65,311
baseline
▲ 0.50% · 4.625%
HK$69,285
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,622/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,370
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,204
−HK$1,860/mo
Today · 4.125%
HK$72,064
baseline
▲ 0.50% · 4.625%
HK$75,863
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,128/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,748
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,042
−HK$2,331/mo
Today · 4.125%
HK$78,373
baseline
▲ 0.50% · 4.625%
HK$83,142
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,746/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,044
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,245
−HK$2,232/mo
Today · 4.125%
HK$86,477
baseline
▲ 0.50% · 4.625%
HK$91,035
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,954/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,040
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,716
−HK$2,719/mo
Today · 4.125%
HK$91,435
baseline
▲ 0.50% · 4.625%
HK$96,999
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,870/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,719
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,286
−HK$2,604/mo
Today · 4.125%
HK$100,890
baseline
▲ 0.50% · 4.625%
HK$106,208
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,780/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,623
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,064
−HK$3,496/mo
Today · 4.125%
HK$117,560
baseline
▲ 0.50% · 4.625%
HK$124,713
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,120/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,067
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,367
−HK$3,349/mo
Today · 4.125%
HK$129,716
baseline
▲ 0.50% · 4.625%
HK$136,553
+HK$6,837/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,432/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,453 · Scale 2, in force from 26 Feb 2026)