LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,651
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,949/mo
Today · 4.125%
HK$65,517
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,034/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,586
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,425
−HK$1,866/mo
Today · 4.125%
HK$72,291
baseline
▲ 0.50% · 4.625%
HK$76,102
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,582/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,981
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,282
−HK$2,338/mo
Today · 4.125%
HK$78,620
baseline
▲ 0.50% · 4.625%
HK$83,404
+HK$4,784/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,240/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,303
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,510
−HK$2,239/mo
Today · 4.125%
HK$86,749
baseline
▲ 0.50% · 4.625%
HK$91,322
+HK$4,573/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,498/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,311
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,996
−HK$2,727/mo
Today · 4.125%
HK$91,723
baseline
▲ 0.50% · 4.625%
HK$97,305
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,446/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,020
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,595
−HK$2,613/mo
Today · 4.125%
HK$101,208
baseline
▲ 0.50% · 4.625%
HK$106,543
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,416/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,971
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,423
−HK$3,507/mo
Today · 4.125%
HK$117,930
baseline
▲ 0.50% · 4.625%
HK$125,106
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,860/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,454
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,765
−HK$3,359/mo
Today · 4.125%
HK$130,124
baseline
▲ 0.50% · 4.625%
HK$136,983
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,248/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,062 · Scale 2, in force from 26 Feb 2026)