LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,721
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,641
−HK$1,950/mo
Today · 4.125%
HK$65,591
baseline
▲ 0.50% · 4.625%
HK$69,582
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,182/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,664
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,505
−HK$1,868/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,188
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,340/mo
Today · 4.125%
HK$78,709
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,418/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,396
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,606
−HK$2,242/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$91,426
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,409
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,097
−HK$2,731/mo
Today · 4.125%
HK$91,828
baseline
▲ 0.50% · 4.625%
HK$97,415
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,656/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,129
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,707
−HK$2,616/mo
Today · 4.125%
HK$101,323
baseline
▲ 0.50% · 4.625%
HK$106,663
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,646/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,097
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,553
−HK$3,511/mo
Today · 4.125%
HK$118,064
baseline
▲ 0.50% · 4.625%
HK$125,248
+HK$7,184/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,128/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,594
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,909
−HK$3,363/mo
Today · 4.125%
HK$130,272
baseline
▲ 0.50% · 4.625%
HK$137,139
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,544/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,366 · Scale 2, in force from 26 Feb 2026)