LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,537
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,945/mo
Today · 4.125%
HK$65,396
baseline
▲ 0.50% · 4.625%
HK$69,375
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,792/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,460
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,296
−HK$1,862/mo
Today · 4.125%
HK$72,158
baseline
▲ 0.50% · 4.625%
HK$75,962
+HK$3,804/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,316/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,845
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,142
−HK$2,333/mo
Today · 4.125%
HK$78,475
baseline
▲ 0.50% · 4.625%
HK$83,250
+HK$4,775/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,950/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,151
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,355
−HK$2,235/mo
Today · 4.125%
HK$86,590
baseline
▲ 0.50% · 4.625%
HK$91,154
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,180/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,152
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,832
−HK$2,723/mo
Today · 4.125%
HK$91,555
baseline
▲ 0.50% · 4.625%
HK$97,125
+HK$5,570/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,110/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,843
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,414
−HK$2,607/mo
Today · 4.125%
HK$101,021
baseline
▲ 0.50% · 4.625%
HK$106,346
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,042/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,767
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,212
−HK$3,501/mo
Today · 4.125%
HK$117,713
baseline
▲ 0.50% · 4.625%
HK$124,876
+HK$7,163/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,426/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,227
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,532
−HK$3,353/mo
Today · 4.125%
HK$129,885
baseline
▲ 0.50% · 4.625%
HK$136,731
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,770/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,947 · Scale 2, in force from 26 Feb 2026)