LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,509
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,423
−HK$1,944/mo
Today · 4.125%
HK$65,367
baseline
▲ 0.50% · 4.625%
HK$69,344
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,734/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,429
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,264
−HK$1,862/mo
Today · 4.125%
HK$72,126
baseline
▲ 0.50% · 4.625%
HK$75,927
+HK$3,801/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,252/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,811
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,107
−HK$2,333/mo
Today · 4.125%
HK$78,440
baseline
▲ 0.50% · 4.625%
HK$83,213
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,880/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,114
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,317
−HK$2,234/mo
Today · 4.125%
HK$86,551
baseline
▲ 0.50% · 4.625%
HK$91,113
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,102/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,113
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,792
−HK$2,721/mo
Today · 4.125%
HK$91,513
baseline
▲ 0.50% · 4.625%
HK$97,082
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,026/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,800
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,369
−HK$2,607/mo
Today · 4.125%
HK$100,976
baseline
▲ 0.50% · 4.625%
HK$106,298
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,952/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,717
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,161
−HK$3,499/mo
Today · 4.125%
HK$117,660
baseline
▲ 0.50% · 4.625%
HK$124,819
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,320/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,171
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,475
−HK$3,351/mo
Today · 4.125%
HK$129,826
baseline
▲ 0.50% · 4.625%
HK$136,669
+HK$6,843/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,652/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,428 · Scale 2, in force from 26 Feb 2026)