LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,711
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,631
−HK$1,950/mo
Today · 4.125%
HK$65,581
baseline
▲ 0.50% · 4.625%
HK$69,571
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,162/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,653
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,494
−HK$1,868/mo
Today · 4.125%
HK$72,362
baseline
▲ 0.50% · 4.625%
HK$76,176
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,724/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,357
−HK$2,340/mo
Today · 4.125%
HK$78,697
baseline
▲ 0.50% · 4.625%
HK$83,486
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,394/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,383
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,593
−HK$2,241/mo
Today · 4.125%
HK$86,834
baseline
▲ 0.50% · 4.625%
HK$91,412
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,668/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,395
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,083
−HK$2,730/mo
Today · 4.125%
HK$91,813
baseline
▲ 0.50% · 4.625%
HK$97,400
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,626/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,114
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,692
−HK$2,615/mo
Today · 4.125%
HK$101,307
baseline
▲ 0.50% · 4.625%
HK$106,647
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,614/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,080
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,535
−HK$3,510/mo
Today · 4.125%
HK$118,045
baseline
▲ 0.50% · 4.625%
HK$125,228
+HK$7,183/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,090/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,575
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,889
−HK$3,363/mo
Today · 4.125%
HK$130,252
baseline
▲ 0.50% · 4.625%
HK$137,117
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,504/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,186 · Scale 2, in force from 26 Feb 2026)