LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,458
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,942/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$69,286
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,371
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,205
−HK$1,860/mo
Today · 4.125%
HK$72,065
baseline
▲ 0.50% · 4.625%
HK$75,864
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,130/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,750
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,044
−HK$2,330/mo
Today · 4.125%
HK$78,374
baseline
▲ 0.50% · 4.625%
HK$83,143
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,748/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,046
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,246
−HK$2,232/mo
Today · 4.125%
HK$86,478
baseline
▲ 0.50% · 4.625%
HK$91,037
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,956/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,041
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,718
−HK$2,719/mo
Today · 4.125%
HK$91,437
baseline
▲ 0.50% · 4.625%
HK$97,001
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,874/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,720
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,287
−HK$2,605/mo
Today · 4.125%
HK$100,892
baseline
▲ 0.50% · 4.625%
HK$106,210
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,784/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,625
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,066
−HK$3,496/mo
Today · 4.125%
HK$117,562
baseline
▲ 0.50% · 4.625%
HK$124,715
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,124/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,069
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,369
−HK$3,349/mo
Today · 4.125%
HK$129,718
baseline
▲ 0.50% · 4.625%
HK$136,555
+HK$6,837/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,436/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,471 · Scale 2, in force from 26 Feb 2026)