LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,604
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,520
−HK$1,947/mo
Today · 4.125%
HK$65,467
baseline
▲ 0.50% · 4.625%
HK$69,450
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,934/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,371
−HK$1,865/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,044
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,924
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,224
−HK$2,336/mo
Today · 4.125%
HK$78,560
baseline
▲ 0.50% · 4.625%
HK$83,340
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,120/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,240
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,446
−HK$2,237/mo
Today · 4.125%
HK$86,683
baseline
▲ 0.50% · 4.625%
HK$91,252
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,366/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,245
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,928
−HK$2,725/mo
Today · 4.125%
HK$91,653
baseline
▲ 0.50% · 4.625%
HK$97,230
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,306/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,947
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,520
−HK$2,610/mo
Today · 4.125%
HK$101,130
baseline
▲ 0.50% · 4.625%
HK$106,461
+HK$5,331/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,260/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,886
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,336
−HK$3,504/mo
Today · 4.125%
HK$117,840
baseline
▲ 0.50% · 4.625%
HK$125,010
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,680/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,360
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,668
−HK$3,357/mo
Today · 4.125%
HK$130,025
baseline
▲ 0.50% · 4.625%
HK$136,879
+HK$6,854/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,050/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,183 · Scale 2, in force from 26 Feb 2026)