LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,461
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,943/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,374
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$1,860/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$75,867
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,753
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,047
−HK$2,331/mo
Today · 4.125%
HK$78,378
baseline
▲ 0.50% · 4.625%
HK$83,147
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,756/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,049
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,250
−HK$2,232/mo
Today · 4.125%
HK$86,482
baseline
▲ 0.50% · 4.625%
HK$91,041
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,964/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,045
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,721
−HK$2,720/mo
Today · 4.125%
HK$91,441
baseline
▲ 0.50% · 4.625%
HK$97,005
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,882/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,724
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,291
−HK$2,605/mo
Today · 4.125%
HK$100,896
baseline
▲ 0.50% · 4.625%
HK$106,214
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,792/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,629
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$114,070
−HK$3,497/mo
Today · 4.125%
HK$117,567
baseline
▲ 0.50% · 4.625%
HK$124,720
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,134/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,074
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,375
−HK$3,348/mo
Today · 4.125%
HK$129,723
baseline
▲ 0.50% · 4.625%
HK$136,561
+HK$6,838/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,446/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,521 · Scale 2, in force from 26 Feb 2026)