LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,634
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,552
−HK$1,947/mo
Today · 4.125%
HK$65,499
baseline
▲ 0.50% · 4.625%
HK$69,485
+HK$3,986/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,998/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,568
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$1,865/mo
Today · 4.125%
HK$72,272
baseline
▲ 0.50% · 4.625%
HK$76,082
+HK$3,810/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,544/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,961
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,337/mo
Today · 4.125%
HK$78,599
baseline
▲ 0.50% · 4.625%
HK$83,382
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,198/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,281
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,488
−HK$2,239/mo
Today · 4.125%
HK$86,727
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,454/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,288
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,972
−HK$2,727/mo
Today · 4.125%
HK$91,699
baseline
▲ 0.50% · 4.625%
HK$97,279
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,398/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,995
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,569
−HK$2,612/mo
Today · 4.125%
HK$101,181
baseline
▲ 0.50% · 4.625%
HK$106,515
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,362/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,942
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,393
−HK$3,506/mo
Today · 4.125%
HK$117,899
baseline
▲ 0.50% · 4.625%
HK$125,073
+HK$7,174/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,798/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,422
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,732
−HK$3,358/mo
Today · 4.125%
HK$130,090
baseline
▲ 0.50% · 4.625%
HK$136,947
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,180/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,759 · Scale 2, in force from 26 Feb 2026)