LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,732
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,653
−HK$1,951/mo
Today · 4.125%
HK$65,604
baseline
▲ 0.50% · 4.625%
HK$69,595
+HK$3,991/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,208/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,677
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,519
−HK$1,868/mo
Today · 4.125%
HK$72,387
baseline
▲ 0.50% · 4.625%
HK$76,203
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,774/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,079
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,383
−HK$2,341/mo
Today · 4.125%
HK$78,724
baseline
▲ 0.50% · 4.625%
HK$83,515
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,448/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,412
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,622
−HK$2,243/mo
Today · 4.125%
HK$86,865
baseline
▲ 0.50% · 4.625%
HK$91,443
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,730/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,425
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,114
−HK$2,731/mo
Today · 4.125%
HK$91,845
baseline
▲ 0.50% · 4.625%
HK$97,434
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,690/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,147
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,726
−HK$2,616/mo
Today · 4.125%
HK$101,342
baseline
▲ 0.50% · 4.625%
HK$106,684
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,684/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,118
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,575
−HK$3,512/mo
Today · 4.125%
HK$118,087
baseline
▲ 0.50% · 4.625%
HK$125,272
+HK$7,185/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,174/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,618
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,934
−HK$3,363/mo
Today · 4.125%
HK$130,297
baseline
▲ 0.50% · 4.625%
HK$137,165
+HK$6,868/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,586 · Scale 2, in force from 26 Feb 2026)