LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,786
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,708
−HK$1,953/mo
Today · 4.125%
HK$65,661
baseline
▲ 0.50% · 4.625%
HK$69,656
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,322/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,737
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,580
−HK$1,870/mo
Today · 4.125%
HK$72,450
baseline
▲ 0.50% · 4.625%
HK$76,269
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,900/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,144
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,450
−HK$2,343/mo
Today · 4.125%
HK$78,793
baseline
▲ 0.50% · 4.625%
HK$83,587
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,586/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,484
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,696
−HK$2,244/mo
Today · 4.125%
HK$86,940
baseline
▲ 0.50% · 4.625%
HK$91,523
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,880/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,501
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,192
−HK$2,733/mo
Today · 4.125%
HK$91,925
baseline
▲ 0.50% · 4.625%
HK$97,519
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,850/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,231
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,812
−HK$2,618/mo
Today · 4.125%
HK$101,430
baseline
▲ 0.50% · 4.625%
HK$106,777
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,860/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,215
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,675
−HK$3,515/mo
Today · 4.125%
HK$118,190
baseline
▲ 0.50% · 4.625%
HK$125,381
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,380/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,726
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,044
−HK$3,367/mo
Today · 4.125%
HK$130,411
baseline
▲ 0.50% · 4.625%
HK$137,285
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,822/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,591 · Scale 2, in force from 26 Feb 2026)