LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,502
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,943/mo
Today · 4.125%
HK$65,358
baseline
▲ 0.50% · 4.625%
HK$69,335
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,716/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,420
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,255
−HK$1,861/mo
Today · 4.125%
HK$72,116
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,232/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,802
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,098
−HK$2,332/mo
Today · 4.125%
HK$78,430
baseline
▲ 0.50% · 4.625%
HK$83,202
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,860/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,104
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,306
−HK$2,234/mo
Today · 4.125%
HK$86,540
baseline
▲ 0.50% · 4.625%
HK$91,101
+HK$4,561/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,080/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,102
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,780
−HK$2,722/mo
Today · 4.125%
HK$91,502
baseline
▲ 0.50% · 4.625%
HK$97,069
+HK$5,567/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,004/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,788
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,357
−HK$2,606/mo
Today · 4.125%
HK$100,963
baseline
▲ 0.50% · 4.625%
HK$106,285
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,926/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,703
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,146
−HK$3,499/mo
Today · 4.125%
HK$117,645
baseline
▲ 0.50% · 4.625%
HK$124,803
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,290/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,156
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,459
−HK$3,351/mo
Today · 4.125%
HK$129,810
baseline
▲ 0.50% · 4.625%
HK$136,652
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,620/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,282 · Scale 2, in force from 26 Feb 2026)