LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,725
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,645
−HK$1,951/mo
Today · 4.125%
HK$65,596
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,192/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,669
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,510
−HK$1,869/mo
Today · 4.125%
HK$72,379
baseline
▲ 0.50% · 4.625%
HK$76,194
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,758/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,070
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,374
−HK$2,341/mo
Today · 4.125%
HK$78,715
baseline
▲ 0.50% · 4.625%
HK$83,505
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,430/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,403
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,613
−HK$2,241/mo
Today · 4.125%
HK$86,854
baseline
▲ 0.50% · 4.625%
HK$91,433
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,708/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,415
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,103
−HK$2,731/mo
Today · 4.125%
HK$91,834
baseline
▲ 0.50% · 4.625%
HK$97,422
+HK$5,588/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,668/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,136
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,715
−HK$2,615/mo
Today · 4.125%
HK$101,330
baseline
▲ 0.50% · 4.625%
HK$106,671
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,660/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,106
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,562
−HK$3,511/mo
Today · 4.125%
HK$118,073
baseline
▲ 0.50% · 4.625%
HK$125,257
+HK$7,184/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,146/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,604
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,919
−HK$3,363/mo
Today · 4.125%
HK$130,282
baseline
▲ 0.50% · 4.625%
HK$137,149
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,564/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,452 · Scale 2, in force from 26 Feb 2026)