LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,663
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,581
−HK$1,949/mo
Today · 4.125%
HK$65,530
baseline
▲ 0.50% · 4.625%
HK$69,518
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,060/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,600
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,440
−HK$1,866/mo
Today · 4.125%
HK$72,306
baseline
▲ 0.50% · 4.625%
HK$76,117
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,612/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,996
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,298
−HK$2,338/mo
Today · 4.125%
HK$78,636
baseline
▲ 0.50% · 4.625%
HK$83,421
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,272/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,320
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,528
−HK$2,239/mo
Today · 4.125%
HK$86,767
baseline
▲ 0.50% · 4.625%
HK$91,341
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,534/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,329
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,014
−HK$2,728/mo
Today · 4.125%
HK$91,742
baseline
▲ 0.50% · 4.625%
HK$97,325
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,484/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,040
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,615
−HK$2,613/mo
Today · 4.125%
HK$101,228
baseline
▲ 0.50% · 4.625%
HK$106,564
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,456/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,994
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,447
−HK$3,507/mo
Today · 4.125%
HK$117,954
baseline
▲ 0.50% · 4.625%
HK$125,132
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,908/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,480
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,791
−HK$3,360/mo
Today · 4.125%
HK$130,151
baseline
▲ 0.50% · 4.625%
HK$137,011
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,302/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,297 · Scale 2, in force from 26 Feb 2026)