LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,656
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,574
−HK$1,948/mo
Today · 4.125%
HK$65,522
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,044/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,591
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,431
−HK$1,866/mo
Today · 4.125%
HK$72,297
baseline
▲ 0.50% · 4.625%
HK$76,108
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,594/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,987
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,338/mo
Today · 4.125%
HK$78,626
baseline
▲ 0.50% · 4.625%
HK$83,411
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,252/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,310
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,517
−HK$2,240/mo
Today · 4.125%
HK$86,757
baseline
▲ 0.50% · 4.625%
HK$91,330
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,514/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,318
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,003
−HK$2,728/mo
Today · 4.125%
HK$91,731
baseline
▲ 0.50% · 4.625%
HK$97,313
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,462/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,028
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,603
−HK$2,613/mo
Today · 4.125%
HK$101,216
baseline
▲ 0.50% · 4.625%
HK$106,551
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,432/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,980
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,432
−HK$3,508/mo
Today · 4.125%
HK$117,940
baseline
▲ 0.50% · 4.625%
HK$125,116
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,880/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,464
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,776
−HK$3,359/mo
Today · 4.125%
HK$130,135
baseline
▲ 0.50% · 4.625%
HK$136,994
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,270/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,155 · Scale 2, in force from 26 Feb 2026)