LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,615
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,532
−HK$1,947/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$69,463
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,546
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,385
−HK$1,865/mo
Today · 4.125%
HK$72,250
baseline
▲ 0.50% · 4.625%
HK$76,058
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,500/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,938
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,238
−HK$2,337/mo
Today · 4.125%
HK$78,575
baseline
▲ 0.50% · 4.625%
HK$83,356
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,150/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,255
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,462
−HK$2,237/mo
Today · 4.125%
HK$86,699
baseline
▲ 0.50% · 4.625%
HK$91,270
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,398/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,261
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,944
−HK$2,727/mo
Today · 4.125%
HK$91,671
baseline
▲ 0.50% · 4.625%
HK$97,248
+HK$5,577/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,342/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,965
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,538
−HK$2,611/mo
Today · 4.125%
HK$101,149
baseline
▲ 0.50% · 4.625%
HK$106,481
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,298/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,907
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,357
−HK$3,505/mo
Today · 4.125%
HK$117,862
baseline
▲ 0.50% · 4.625%
HK$125,034
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,724/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,383
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,692
−HK$3,357/mo
Today · 4.125%
HK$130,049
baseline
▲ 0.50% · 4.625%
HK$136,904
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,098/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,399 · Scale 2, in force from 26 Feb 2026)