LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,670
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,588
−HK$1,949/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$69,525
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,607
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$1,867/mo
Today · 4.125%
HK$72,314
baseline
▲ 0.50% · 4.625%
HK$76,125
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,628/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,004
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,306
−HK$2,338/mo
Today · 4.125%
HK$78,644
baseline
▲ 0.50% · 4.625%
HK$83,430
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,288/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,328
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,536
−HK$2,240/mo
Today · 4.125%
HK$86,776
baseline
▲ 0.50% · 4.625%
HK$91,350
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,552/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,338
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,023
−HK$2,729/mo
Today · 4.125%
HK$91,752
baseline
▲ 0.50% · 4.625%
HK$97,335
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,504/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,050
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,626
−HK$2,613/mo
Today · 4.125%
HK$101,239
baseline
▲ 0.50% · 4.625%
HK$106,576
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,478/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,006
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,459
−HK$3,508/mo
Today · 4.125%
HK$117,967
baseline
▲ 0.50% · 4.625%
HK$125,145
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,934/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,493
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,805
−HK$3,360/mo
Today · 4.125%
HK$130,165
baseline
▲ 0.50% · 4.625%
HK$137,026
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,330/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,418 · Scale 2, in force from 26 Feb 2026)