LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,610
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,527
−HK$1,947/mo
Today · 4.125%
HK$65,474
baseline
▲ 0.50% · 4.625%
HK$69,458
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,948/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,541
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,379
−HK$1,865/mo
Today · 4.125%
HK$72,244
baseline
▲ 0.50% · 4.625%
HK$76,052
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,488/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,932
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,232
−HK$2,336/mo
Today · 4.125%
HK$78,568
baseline
▲ 0.50% · 4.625%
HK$83,349
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,136/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,249
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,455
−HK$2,238/mo
Today · 4.125%
HK$86,693
baseline
▲ 0.50% · 4.625%
HK$91,262
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,386/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,254
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,937
−HK$2,726/mo
Today · 4.125%
HK$91,663
baseline
▲ 0.50% · 4.625%
HK$97,241
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,326/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,957
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,531
−HK$2,610/mo
Today · 4.125%
HK$101,141
baseline
▲ 0.50% · 4.625%
HK$106,473
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,282/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,898
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,348
−HK$3,505/mo
Today · 4.125%
HK$117,853
baseline
▲ 0.50% · 4.625%
HK$125,024
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,706/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,373
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,682
−HK$3,357/mo
Today · 4.125%
HK$130,039
baseline
▲ 0.50% · 4.625%
HK$136,893
+HK$6,854/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,078/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,307 · Scale 2, in force from 26 Feb 2026)