LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,745
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,951/mo
Today · 4.125%
HK$65,617
baseline
▲ 0.50% · 4.625%
HK$69,610
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,234/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,691
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,533
−HK$1,869/mo
Today · 4.125%
HK$72,402
baseline
▲ 0.50% · 4.625%
HK$76,219
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,804/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,094
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,399
−HK$2,342/mo
Today · 4.125%
HK$78,741
baseline
▲ 0.50% · 4.625%
HK$83,532
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,482/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,429
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,640
−HK$2,243/mo
Today · 4.125%
HK$86,883
baseline
▲ 0.50% · 4.625%
HK$91,462
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,766/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,443
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,132
−HK$2,732/mo
Today · 4.125%
HK$91,864
baseline
▲ 0.50% · 4.625%
HK$97,454
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,728/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,168
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,747
−HK$2,616/mo
Today · 4.125%
HK$101,363
baseline
▲ 0.50% · 4.625%
HK$106,706
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,726/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,142
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,599
−HK$3,512/mo
Today · 4.125%
HK$118,111
baseline
▲ 0.50% · 4.625%
HK$125,298
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,222/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,644
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,960
−HK$3,364/mo
Today · 4.125%
HK$130,324
baseline
▲ 0.50% · 4.625%
HK$137,194
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,648/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,826 · Scale 2, in force from 26 Feb 2026)