LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,666
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,585
−HK$1,949/mo
Today · 4.125%
HK$65,534
baseline
▲ 0.50% · 4.625%
HK$69,521
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,068/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,603
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,443
−HK$1,867/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,121
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,000
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,302
−HK$2,338/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$83,425
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,324
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,532
−HK$2,240/mo
Today · 4.125%
HK$86,772
baseline
▲ 0.50% · 4.625%
HK$91,346
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,544/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,333
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,019
−HK$2,728/mo
Today · 4.125%
HK$91,747
baseline
▲ 0.50% · 4.625%
HK$97,329
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,494/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,045
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,621
−HK$2,613/mo
Today · 4.125%
HK$101,234
baseline
▲ 0.50% · 4.625%
HK$106,570
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,468/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,000
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,452
−HK$3,508/mo
Today · 4.125%
HK$117,960
baseline
▲ 0.50% · 4.625%
HK$125,138
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,920/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,486
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,798
−HK$3,360/mo
Today · 4.125%
HK$130,158
baseline
▲ 0.50% · 4.625%
HK$137,018
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,316/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,356 · Scale 2, in force from 26 Feb 2026)