LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,623
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,540
−HK$1,947/mo
Today · 4.125%
HK$65,487
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,974/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,393
−HK$1,865/mo
Today · 4.125%
HK$72,258
baseline
▲ 0.50% · 4.625%
HK$76,067
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,516/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,947
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,337/mo
Today · 4.125%
HK$78,584
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,168/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,266
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,472
−HK$2,238/mo
Today · 4.125%
HK$86,710
baseline
▲ 0.50% · 4.625%
HK$91,281
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,420/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,272
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,955
−HK$2,727/mo
Today · 4.125%
HK$91,682
baseline
▲ 0.50% · 4.625%
HK$97,260
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,364/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,977
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,551
−HK$2,611/mo
Today · 4.125%
HK$101,162
baseline
▲ 0.50% · 4.625%
HK$106,494
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,324/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,921
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,371
−HK$3,506/mo
Today · 4.125%
HK$117,877
baseline
▲ 0.50% · 4.625%
HK$125,049
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,754/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,398
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,708
−HK$3,357/mo
Today · 4.125%
HK$130,065
baseline
▲ 0.50% · 4.625%
HK$136,921
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,130/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,541 · Scale 2, in force from 26 Feb 2026)