LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,671
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,949/mo
Today · 4.125%
HK$65,538
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,076/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,608
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,448
−HK$1,867/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,126
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,339/mo
Today · 4.125%
HK$78,646
baseline
▲ 0.50% · 4.625%
HK$83,431
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,292/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,538
−HK$2,240/mo
Today · 4.125%
HK$86,778
baseline
▲ 0.50% · 4.625%
HK$91,352
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,556/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,339
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,025
−HK$2,728/mo
Today · 4.125%
HK$91,753
baseline
▲ 0.50% · 4.625%
HK$97,336
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,506/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,051
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,627
−HK$2,614/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$106,577
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,007
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,460
−HK$3,508/mo
Today · 4.125%
HK$117,968
baseline
▲ 0.50% · 4.625%
HK$125,146
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,936/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,494
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,806
−HK$3,360/mo
Today · 4.125%
HK$130,166
baseline
▲ 0.50% · 4.625%
HK$137,028
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,332/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,434 · Scale 2, in force from 26 Feb 2026)