LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,679
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,597
−HK$1,949/mo
Today · 4.125%
HK$65,546
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,989/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,092/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,617
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,457
−HK$1,867/mo
Today · 4.125%
HK$72,324
baseline
▲ 0.50% · 4.625%
HK$76,136
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,648/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,014
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,316
−HK$2,340/mo
Today · 4.125%
HK$78,656
baseline
▲ 0.50% · 4.625%
HK$83,442
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,312/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,340
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,548
−HK$2,241/mo
Today · 4.125%
HK$86,789
baseline
▲ 0.50% · 4.625%
HK$91,363
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,578/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,350
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,729/mo
Today · 4.125%
HK$91,765
baseline
▲ 0.50% · 4.625%
HK$97,349
+HK$5,584/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,530/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,063
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,640
−HK$2,613/mo
Today · 4.125%
HK$101,253
baseline
▲ 0.50% · 4.625%
HK$106,591
+HK$5,338/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,506/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,021
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,475
−HK$3,508/mo
Today · 4.125%
HK$117,983
baseline
▲ 0.50% · 4.625%
HK$125,162
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,966/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,510
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,823
−HK$3,360/mo
Today · 4.125%
HK$130,183
baseline
▲ 0.50% · 4.625%
HK$137,045
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,366/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,581 · Scale 2, in force from 26 Feb 2026)