LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,624
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,541
−HK$1,947/mo
Today · 4.125%
HK$65,488
baseline
▲ 0.50% · 4.625%
HK$69,473
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,976/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,556
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,394
−HK$1,866/mo
Today · 4.125%
HK$72,260
baseline
▲ 0.50% · 4.625%
HK$76,069
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,520/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,948
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,249
−HK$2,337/mo
Today · 4.125%
HK$78,586
baseline
▲ 0.50% · 4.625%
HK$83,367
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,172/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,267
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,473
−HK$2,239/mo
Today · 4.125%
HK$86,712
baseline
▲ 0.50% · 4.625%
HK$91,282
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,424/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,273
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,957
−HK$2,726/mo
Today · 4.125%
HK$91,683
baseline
▲ 0.50% · 4.625%
HK$97,262
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,366/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,978
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,552
−HK$2,611/mo
Today · 4.125%
HK$101,163
baseline
▲ 0.50% · 4.625%
HK$106,496
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,326/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,923
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,373
−HK$3,505/mo
Today · 4.125%
HK$117,878
baseline
▲ 0.50% · 4.625%
HK$125,051
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,756/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,400
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,710
−HK$3,357/mo
Today · 4.125%
HK$130,067
baseline
▲ 0.50% · 4.625%
HK$136,923
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,134/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,559 · Scale 2, in force from 26 Feb 2026)