LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,613
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,948/mo
Today · 4.125%
HK$65,477
baseline
▲ 0.50% · 4.625%
HK$69,461
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,954/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,544
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,382
−HK$1,865/mo
Today · 4.125%
HK$72,247
baseline
▲ 0.50% · 4.625%
HK$76,055
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,494/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,235
−HK$2,337/mo
Today · 4.125%
HK$78,572
baseline
▲ 0.50% · 4.625%
HK$83,353
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,144/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,252
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,458
−HK$2,238/mo
Today · 4.125%
HK$86,696
baseline
▲ 0.50% · 4.625%
HK$91,266
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,392/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,258
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,941
−HK$2,726/mo
Today · 4.125%
HK$91,667
baseline
▲ 0.50% · 4.625%
HK$97,245
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,334/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,961
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,535
−HK$2,611/mo
Today · 4.125%
HK$101,146
baseline
▲ 0.50% · 4.625%
HK$106,477
+HK$5,331/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,292/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,903
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,353
−HK$3,505/mo
Today · 4.125%
HK$117,858
baseline
▲ 0.50% · 4.625%
HK$125,029
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,716/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,379
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,688
−HK$3,356/mo
Today · 4.125%
HK$130,044
baseline
▲ 0.50% · 4.625%
HK$136,899
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,088/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,357 · Scale 2, in force from 26 Feb 2026)