LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,463
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,374
−HK$1,943/mo
Today · 4.125%
HK$65,317
baseline
▲ 0.50% · 4.625%
HK$69,291
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,634/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,377
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,210
−HK$1,861/mo
Today · 4.125%
HK$72,071
baseline
▲ 0.50% · 4.625%
HK$75,870
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,142/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,755
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,049
−HK$2,331/mo
Today · 4.125%
HK$78,380
baseline
▲ 0.50% · 4.625%
HK$83,149
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,760/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,052
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,252
−HK$2,233/mo
Today · 4.125%
HK$86,485
baseline
▲ 0.50% · 4.625%
HK$91,044
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,970/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,048
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,724
−HK$2,720/mo
Today · 4.125%
HK$91,444
baseline
▲ 0.50% · 4.625%
HK$97,008
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,888/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,727
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,294
−HK$2,605/mo
Today · 4.125%
HK$100,899
baseline
▲ 0.50% · 4.625%
HK$106,217
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,798/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,633
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,074
−HK$3,496/mo
Today · 4.125%
HK$117,570
baseline
▲ 0.50% · 4.625%
HK$124,724
+HK$7,154/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,140/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,078
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,379
−HK$3,348/mo
Today · 4.125%
HK$129,727
baseline
▲ 0.50% · 4.625%
HK$136,565
+HK$6,838/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,454/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,556 · Scale 2, in force from 26 Feb 2026)