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$69,449
+HK$3,984/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$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,532
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,370
−HK$1,864/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,042
+HK$3,808/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$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,923
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,222
−HK$2,336/mo
Today · 4.125%
HK$78,558
baseline
▲ 0.50% · 4.625%
HK$83,338
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,116/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,238
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,444
−HK$2,237/mo
Today · 4.125%
HK$86,681
baseline
▲ 0.50% · 4.625%
HK$91,250
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,362/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,243
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,926
−HK$2,725/mo
Today · 4.125%
HK$91,651
baseline
▲ 0.50% · 4.625%
HK$97,228
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,302/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,944
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,518
−HK$2,610/mo
Today · 4.125%
HK$101,128
baseline
▲ 0.50% · 4.625%
HK$106,459
+HK$5,331/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,256/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,884
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,333
−HK$3,504/mo
Today · 4.125%
HK$117,837
baseline
▲ 0.50% · 4.625%
HK$125,007
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,674/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,357
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,666
−HK$3,356/mo
Today · 4.125%
HK$130,022
baseline
▲ 0.50% · 4.625%
HK$136,875
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,044/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,157 · Scale 2, in force from 26 Feb 2026)