LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,727
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,647
−HK$1,951/mo
Today · 4.125%
HK$65,598
baseline
▲ 0.50% · 4.625%
HK$69,589
+HK$3,991/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,196/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,670
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,512
−HK$1,869/mo
Today · 4.125%
HK$72,381
baseline
▲ 0.50% · 4.625%
HK$76,196
+HK$3,815/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,762/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,072
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,376
−HK$2,341/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,405
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,615
−HK$2,242/mo
Today · 4.125%
HK$86,857
baseline
▲ 0.50% · 4.625%
HK$91,435
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,714/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,418
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,106
−HK$2,731/mo
Today · 4.125%
HK$91,837
baseline
▲ 0.50% · 4.625%
HK$97,425
+HK$5,588/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,674/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,139
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,717
−HK$2,616/mo
Today · 4.125%
HK$101,333
baseline
▲ 0.50% · 4.625%
HK$106,674
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,666/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,108
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,564
−HK$3,512/mo
Today · 4.125%
HK$118,076
baseline
▲ 0.50% · 4.625%
HK$125,260
+HK$7,184/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,152/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,607
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,922
−HK$3,363/mo
Today · 4.125%
HK$130,285
baseline
▲ 0.50% · 4.625%
HK$137,152
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,570/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,480 · Scale 2, in force from 26 Feb 2026)