LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,660
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,578
−HK$1,949/mo
Today · 4.125%
HK$65,527
baseline
▲ 0.50% · 4.625%
HK$69,514
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,054/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,596
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,436
−HK$1,866/mo
Today · 4.125%
HK$72,302
baseline
▲ 0.50% · 4.625%
HK$76,113
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,604/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,293
−HK$2,339/mo
Today · 4.125%
HK$78,632
baseline
▲ 0.50% · 4.625%
HK$83,416
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,264/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,315
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,239/mo
Today · 4.125%
HK$86,762
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,524/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,324
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,009
−HK$2,728/mo
Today · 4.125%
HK$91,737
baseline
▲ 0.50% · 4.625%
HK$97,319
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,474/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,034
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,610
−HK$2,613/mo
Today · 4.125%
HK$101,223
baseline
▲ 0.50% · 4.625%
HK$106,558
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,446/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,988
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,440
−HK$3,508/mo
Today · 4.125%
HK$117,948
baseline
▲ 0.50% · 4.625%
HK$125,125
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,896/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,473
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,784
−HK$3,360/mo
Today · 4.125%
HK$130,144
baseline
▲ 0.50% · 4.625%
HK$137,004
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,288/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,233 · Scale 2, in force from 26 Feb 2026)