LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,629
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,947/mo
Today · 4.125%
HK$65,493
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,986/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,986/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,561
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,400
−HK$1,866/mo
Today · 4.125%
HK$72,266
baseline
▲ 0.50% · 4.625%
HK$76,075
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,532/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,955
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,255
−HK$2,337/mo
Today · 4.125%
HK$78,592
baseline
▲ 0.50% · 4.625%
HK$83,374
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,184/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,274
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,480
−HK$2,239/mo
Today · 4.125%
HK$86,719
baseline
▲ 0.50% · 4.625%
HK$91,290
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,438/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,280
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,964
−HK$2,727/mo
Today · 4.125%
HK$91,691
baseline
▲ 0.50% · 4.625%
HK$97,270
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,382/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,986
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,560
−HK$2,612/mo
Today · 4.125%
HK$101,172
baseline
▲ 0.50% · 4.625%
HK$106,505
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,344/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,932
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,382
−HK$3,506/mo
Today · 4.125%
HK$117,888
baseline
▲ 0.50% · 4.625%
HK$125,061
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,776/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,411
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,720
−HK$3,358/mo
Today · 4.125%
HK$130,078
baseline
▲ 0.50% · 4.625%
HK$136,935
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,156/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,654 · Scale 2, in force from 26 Feb 2026)