LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,680
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,599
−HK$1,949/mo
Today · 4.125%
HK$65,548
baseline
▲ 0.50% · 4.625%
HK$69,536
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,096/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,618
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,459
−HK$1,867/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,138
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,016
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,318
−HK$2,339/mo
Today · 4.125%
HK$78,657
baseline
▲ 0.50% · 4.625%
HK$83,444
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,314/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,342
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,550
−HK$2,241/mo
Today · 4.125%
HK$86,791
baseline
▲ 0.50% · 4.625%
HK$91,366
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,582/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,352
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,038
−HK$2,729/mo
Today · 4.125%
HK$91,767
baseline
▲ 0.50% · 4.625%
HK$97,351
+HK$5,584/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,534/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,066
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,642
−HK$2,614/mo
Today · 4.125%
HK$101,256
baseline
▲ 0.50% · 4.625%
HK$106,593
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,512/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,024
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,477
−HK$3,509/mo
Today · 4.125%
HK$117,986
baseline
▲ 0.50% · 4.625%
HK$125,165
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,972/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,513
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,826
−HK$3,360/mo
Today · 4.125%
HK$130,186
baseline
▲ 0.50% · 4.625%
HK$137,048
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,372/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,607 · Scale 2, in force from 26 Feb 2026)