LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,870
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,795
−HK$1,955/mo
Today · 4.125%
HK$65,750
baseline
▲ 0.50% · 4.625%
HK$69,751
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,500/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,830
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,676
−HK$1,873/mo
Today · 4.125%
HK$72,549
baseline
▲ 0.50% · 4.625%
HK$76,373
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,098/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,244
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,554
−HK$2,346/mo
Today · 4.125%
HK$78,900
baseline
▲ 0.50% · 4.625%
HK$83,701
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,800/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,596
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,811
−HK$2,247/mo
Today · 4.125%
HK$87,058
baseline
▲ 0.50% · 4.625%
HK$91,647
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,116/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,618
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,313
−HK$2,737/mo
Today · 4.125%
HK$92,050
baseline
▲ 0.50% · 4.625%
HK$97,651
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,100/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,362
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,946
−HK$2,622/mo
Today · 4.125%
HK$101,568
baseline
▲ 0.50% · 4.625%
HK$106,922
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,136/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,366
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,830
−HK$3,520/mo
Today · 4.125%
HK$118,350
baseline
▲ 0.50% · 4.625%
HK$125,551
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,700/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,894
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,217
−HK$3,370/mo
Today · 4.125%
HK$130,587
baseline
▲ 0.50% · 4.625%
HK$137,471
+HK$6,884/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,174/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,152 · Scale 2, in force from 26 Feb 2026)