LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,462
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,943/mo
Today · 4.125%
HK$65,316
baseline
▲ 0.50% · 4.625%
HK$69,290
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,632/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,536 · 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$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,754
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,048
−HK$2,331/mo
Today · 4.125%
HK$78,379
baseline
▲ 0.50% · 4.625%
HK$83,148
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,758/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,050
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,251
−HK$2,232/mo
Today · 4.125%
HK$86,483
baseline
▲ 0.50% · 4.625%
HK$91,042
+HK$4,559/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$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,723
−HK$2,719/mo
Today · 4.125%
HK$91,442
baseline
▲ 0.50% · 4.625%
HK$97,006
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,884/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,725
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,293
−HK$2,604/mo
Today · 4.125%
HK$100,897
baseline
▲ 0.50% · 4.625%
HK$106,216
+HK$5,319/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,794/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,631
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,072
−HK$3,496/mo
Today · 4.125%
HK$117,568
baseline
▲ 0.50% · 4.625%
HK$124,722
+HK$7,154/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,136/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,076
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,376
−HK$3,349/mo
Today · 4.125%
HK$129,725
baseline
▲ 0.50% · 4.625%
HK$136,563
+HK$6,838/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,450/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,536 · Scale 2, in force from 26 Feb 2026)