LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,461
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,942/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$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,375
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,209
−HK$1,860/mo
Today · 4.125%
HK$72,069
baseline
▲ 0.50% · 4.625%
HK$75,868
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,138/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,527 · 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$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,050
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,250
−HK$2,233/mo
Today · 4.125%
HK$86,483
baseline
▲ 0.50% · 4.625%
HK$91,041
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,966/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,045
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,722
−HK$2,719/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$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,725
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,292
−HK$2,604/mo
Today · 4.125%
HK$100,896
baseline
▲ 0.50% · 4.625%
HK$106,215
+HK$5,319/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$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,630
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,071
−HK$3,496/mo
Today · 4.125%
HK$117,567
baseline
▲ 0.50% · 4.625%
HK$124,721
+HK$7,154/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$1,145,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,075
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,375
−HK$3,349/mo
Today · 4.125%
HK$129,724
baseline
▲ 0.50% · 4.625%
HK$136,562
+HK$6,838/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,448/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,527 · Scale 2, in force from 26 Feb 2026)