LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,923
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,957/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,810
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$1,874/mo
Today · 4.125%
HK$72,610
baseline
▲ 0.50% · 4.625%
HK$76,438
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,220/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,307
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,619
−HK$2,348/mo
Today · 4.125%
HK$78,967
baseline
▲ 0.50% · 4.625%
HK$83,772
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,934/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,666
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,883
−HK$2,249/mo
Today · 4.125%
HK$87,132
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,264/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,692
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,388
−HK$2,740/mo
Today · 4.125%
HK$92,128
baseline
▲ 0.50% · 4.625%
HK$97,734
+HK$5,606/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,256/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,444
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,030
−HK$2,624/mo
Today · 4.125%
HK$101,654
baseline
▲ 0.50% · 4.625%
HK$107,013
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,308/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,461
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,928
−HK$3,522/mo
Today · 4.125%
HK$118,450
baseline
▲ 0.50% · 4.625%
HK$125,658
+HK$7,208/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,900/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,999
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,325
−HK$3,373/mo
Today · 4.125%
HK$130,698
baseline
▲ 0.50% · 4.625%
HK$137,588
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,396/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,131 · Scale 2, in force from 26 Feb 2026)