LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,625
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,947/mo
Today · 4.125%
HK$65,489
baseline
▲ 0.50% · 4.625%
HK$69,474
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,978/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,557
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$1,865/mo
Today · 4.125%
HK$72,261
baseline
▲ 0.50% · 4.625%
HK$76,070
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,522/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,950
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,250
−HK$2,337/mo
Today · 4.125%
HK$78,587
baseline
▲ 0.50% · 4.625%
HK$83,369
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,174/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,475
−HK$2,238/mo
Today · 4.125%
HK$86,713
baseline
▲ 0.50% · 4.625%
HK$91,284
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,426/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,275
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,958
−HK$2,727/mo
Today · 4.125%
HK$91,685
baseline
▲ 0.50% · 4.625%
HK$97,264
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,370/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,980
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,554
−HK$2,611/mo
Today · 4.125%
HK$101,165
baseline
▲ 0.50% · 4.625%
HK$106,498
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,330/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,925
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,375
−HK$3,506/mo
Today · 4.125%
HK$117,881
baseline
▲ 0.50% · 4.625%
HK$125,053
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,762/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,402
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,712
−HK$3,358/mo
Today · 4.125%
HK$130,070
baseline
▲ 0.50% · 4.625%
HK$136,926
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,140/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,579 · Scale 2, in force from 26 Feb 2026)