LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,770
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,692
−HK$1,952/mo
Today · 4.125%
HK$65,644
baseline
▲ 0.50% · 4.625%
HK$69,638
+HK$3,994/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,288/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,719
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,562
−HK$1,869/mo
Today · 4.125%
HK$72,431
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$3,818/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,862/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,124
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,430
−HK$2,343/mo
Today · 4.125%
HK$78,773
baseline
▲ 0.50% · 4.625%
HK$83,566
+HK$4,793/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$157,546/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,463
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,244/mo
Today · 4.125%
HK$86,918
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$4,581/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$173,836/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,478
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,168
−HK$2,733/mo
Today · 4.125%
HK$91,901
baseline
▲ 0.50% · 4.625%
HK$97,493
+HK$5,592/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,802/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,206
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,787
−HK$2,617/mo
Today · 4.125%
HK$101,404
baseline
▲ 0.50% · 4.625%
HK$106,749
+HK$5,345/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,808/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,187
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,645
−HK$3,514/mo
Today · 4.125%
HK$118,159
baseline
▲ 0.50% · 4.625%
HK$125,349
+HK$7,190/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,318/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,694
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,011
−HK$3,366/mo
Today · 4.125%
HK$130,377
baseline
▲ 0.50% · 4.625%
HK$137,249
+HK$6,872/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,754/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,291 · Scale 2, in force from 26 Feb 2026)