LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,655
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,573
−HK$1,948/mo
Today · 4.125%
HK$65,521
baseline
▲ 0.50% · 4.625%
HK$69,508
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,042/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,590
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,430
−HK$1,866/mo
Today · 4.125%
HK$72,296
baseline
▲ 0.50% · 4.625%
HK$76,107
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,592/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,986
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,338/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,409
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,239/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$91,328
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,317
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,002
−HK$2,728/mo
Today · 4.125%
HK$91,730
baseline
▲ 0.50% · 4.625%
HK$97,311
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,460/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,026
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,602
−HK$2,612/mo
Today · 4.125%
HK$101,214
baseline
▲ 0.50% · 4.625%
HK$106,550
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,428/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,979
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,431
−HK$3,507/mo
Today · 4.125%
HK$117,938
baseline
▲ 0.50% · 4.625%
HK$125,114
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,876/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,463
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,774
−HK$3,359/mo
Today · 4.125%
HK$130,133
baseline
▲ 0.50% · 4.625%
HK$136,992
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,266/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,138 · Scale 2, in force from 26 Feb 2026)