LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,639
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,556
−HK$1,948/mo
Today · 4.125%
HK$65,504
baseline
▲ 0.50% · 4.625%
HK$69,490
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,008/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,573
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,412
−HK$1,865/mo
Today · 4.125%
HK$72,277
baseline
▲ 0.50% · 4.625%
HK$76,087
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,554/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,967
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,267
−HK$2,338/mo
Today · 4.125%
HK$78,605
baseline
▲ 0.50% · 4.625%
HK$83,388
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,210/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,494
−HK$2,239/mo
Today · 4.125%
HK$86,733
baseline
▲ 0.50% · 4.625%
HK$91,305
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,466/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,294
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,979
−HK$2,727/mo
Today · 4.125%
HK$91,706
baseline
▲ 0.50% · 4.625%
HK$97,286
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,412/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,002
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,576
−HK$2,612/mo
Today · 4.125%
HK$101,188
baseline
▲ 0.50% · 4.625%
HK$106,522
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,376/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,950
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,401
−HK$3,507/mo
Today · 4.125%
HK$117,908
baseline
▲ 0.50% · 4.625%
HK$125,082
+HK$7,174/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,816/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,431
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,741
−HK$3,358/mo
Today · 4.125%
HK$130,099
baseline
▲ 0.50% · 4.625%
HK$136,957
+HK$6,858/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,198/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,842 · Scale 2, in force from 26 Feb 2026)