LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,664
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,582
−HK$1,949/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$69,518
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,601
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,441
−HK$1,866/mo
Today · 4.125%
HK$72,307
baseline
▲ 0.50% · 4.625%
HK$76,118
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,614/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,997
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,299
−HK$2,338/mo
Today · 4.125%
HK$78,637
baseline
▲ 0.50% · 4.625%
HK$83,422
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,274/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,321
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,529
−HK$2,239/mo
Today · 4.125%
HK$86,768
baseline
▲ 0.50% · 4.625%
HK$91,342
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,536/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,330
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,015
−HK$2,728/mo
Today · 4.125%
HK$91,743
baseline
▲ 0.50% · 4.625%
HK$97,326
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,486/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,041
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,617
−HK$2,613/mo
Today · 4.125%
HK$101,230
baseline
▲ 0.50% · 4.625%
HK$106,566
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,460/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,995
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,448
−HK$3,508/mo
Today · 4.125%
HK$117,956
baseline
▲ 0.50% · 4.625%
HK$125,133
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,912/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,481
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,793
−HK$3,360/mo
Today · 4.125%
HK$130,153
baseline
▲ 0.50% · 4.625%
HK$137,013
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,306/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,312 · Scale 2, in force from 26 Feb 2026)