LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,495
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,943/mo
Today · 4.125%
HK$65,351
baseline
▲ 0.50% · 4.625%
HK$69,328
+HK$3,977/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,702/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,247
−HK$1,862/mo
Today · 4.125%
HK$72,109
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$3,801/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,218/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,794
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,089
−HK$2,333/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$83,193
+HK$4,771/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,095
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,297
−HK$2,233/mo
Today · 4.125%
HK$86,530
baseline
▲ 0.50% · 4.625%
HK$91,092
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,060/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,093
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,771
−HK$2,721/mo
Today · 4.125%
HK$91,492
baseline
▲ 0.50% · 4.625%
HK$97,059
+HK$5,567/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,984/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,778
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,346
−HK$2,606/mo
Today · 4.125%
HK$100,952
baseline
▲ 0.50% · 4.625%
HK$106,274
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,904/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,691
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,134
−HK$3,498/mo
Today · 4.125%
HK$117,632
baseline
▲ 0.50% · 4.625%
HK$124,790
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,264/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,143
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,445
−HK$3,351/mo
Today · 4.125%
HK$129,796
baseline
▲ 0.50% · 4.625%
HK$136,637
+HK$6,841/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,592/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,160 · Scale 2, in force from 26 Feb 2026)