LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,602
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,518
−HK$1,947/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$69,448
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,531
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,369
−HK$1,865/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,041
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,221
−HK$2,336/mo
Today · 4.125%
HK$78,557
baseline
▲ 0.50% · 4.625%
HK$83,337
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,114/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,237
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,443
−HK$2,237/mo
Today · 4.125%
HK$86,680
baseline
▲ 0.50% · 4.625%
HK$91,249
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,360/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,242
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,925
−HK$2,725/mo
Today · 4.125%
HK$91,650
baseline
▲ 0.50% · 4.625%
HK$97,227
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,300/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,944
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,517
−HK$2,610/mo
Today · 4.125%
HK$101,127
baseline
▲ 0.50% · 4.625%
HK$106,458
+HK$5,331/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,254/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,883
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,332
−HK$3,504/mo
Today · 4.125%
HK$117,836
baseline
▲ 0.50% · 4.625%
HK$125,006
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,672/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,356
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,664
−HK$3,357/mo
Today · 4.125%
HK$130,021
baseline
▲ 0.50% · 4.625%
HK$136,874
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,042/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,146 · Scale 2, in force from 26 Feb 2026)