LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,594
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,510
−HK$1,947/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$69,440
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,361
−HK$1,864/mo
Today · 4.125%
HK$72,225
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,450/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,913
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,212
−HK$2,336/mo
Today · 4.125%
HK$78,548
baseline
▲ 0.50% · 4.625%
HK$83,328
+HK$4,780/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$157,096/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,228
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,433
−HK$2,237/mo
Today · 4.125%
HK$86,670
baseline
▲ 0.50% · 4.625%
HK$91,239
+HK$4,569/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$173,340/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,232
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,914
−HK$2,726/mo
Today · 4.125%
HK$91,640
baseline
▲ 0.50% · 4.625%
HK$97,216
+HK$5,576/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,280/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,932
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,505
−HK$2,610/mo
Today · 4.125%
HK$101,115
baseline
▲ 0.50% · 4.625%
HK$106,445
+HK$5,330/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,230/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,870
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,318
−HK$3,504/mo
Today · 4.125%
HK$117,822
baseline
▲ 0.50% · 4.625%
HK$124,991
+HK$7,169/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,644/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,341
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,649
−HK$3,356/mo
Today · 4.125%
HK$130,005
baseline
▲ 0.50% · 4.625%
HK$136,858
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,010/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,011 · Scale 2, in force from 26 Feb 2026)