LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,607
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,947/mo
Today · 4.125%
HK$65,471
baseline
▲ 0.50% · 4.625%
HK$69,454
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,942/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,537
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$1,864/mo
Today · 4.125%
HK$72,240
baseline
▲ 0.50% · 4.625%
HK$76,048
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,480/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,929
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,228
−HK$2,337/mo
Today · 4.125%
HK$78,565
baseline
▲ 0.50% · 4.625%
HK$83,345
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,130/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,245
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,451
−HK$2,237/mo
Today · 4.125%
HK$86,688
baseline
▲ 0.50% · 4.625%
HK$91,258
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,376/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,250
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,933
−HK$2,726/mo
Today · 4.125%
HK$91,659
baseline
▲ 0.50% · 4.625%
HK$97,236
+HK$5,577/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,318/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,952
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,526
−HK$2,610/mo
Today · 4.125%
HK$101,136
baseline
▲ 0.50% · 4.625%
HK$106,467
+HK$5,331/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,272/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,893
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,342
−HK$3,505/mo
Today · 4.125%
HK$117,847
baseline
▲ 0.50% · 4.625%
HK$125,018
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,694/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,367
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,676
−HK$3,357/mo
Today · 4.125%
HK$130,033
baseline
▲ 0.50% · 4.625%
HK$136,887
+HK$6,854/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,066/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,252 · Scale 2, in force from 26 Feb 2026)