LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,570
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,409
−HK$1,866/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,964
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,265
−HK$2,337/mo
Today · 4.125%
HK$78,602
baseline
▲ 0.50% · 4.625%
HK$83,385
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,204/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,284
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,491
−HK$2,239/mo
Today · 4.125%
HK$86,730
baseline
▲ 0.50% · 4.625%
HK$91,302
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,460/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,291
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,976
−HK$2,727/mo
Today · 4.125%
HK$91,703
baseline
▲ 0.50% · 4.625%
HK$97,283
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,406/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,998
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,573
−HK$2,612/mo
Today · 4.125%
HK$101,185
baseline
▲ 0.50% · 4.625%
HK$106,518
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,370/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,946
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,397
−HK$3,506/mo
Today · 4.125%
HK$117,903
baseline
▲ 0.50% · 4.625%
HK$125,078
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,806/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,426
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,737
−HK$3,358/mo
Today · 4.125%
HK$130,095
baseline
▲ 0.50% · 4.625%
HK$136,952
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,190/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,802 · Scale 2, in force from 26 Feb 2026)