LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,689
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,950/mo
Today · 4.125%
HK$65,557
baseline
▲ 0.50% · 4.625%
HK$69,546
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,114/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,628
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,468
−HK$1,868/mo
Today · 4.125%
HK$72,336
baseline
▲ 0.50% · 4.625%
HK$76,149
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,672/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,026
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,329
−HK$2,339/mo
Today · 4.125%
HK$78,668
baseline
▲ 0.50% · 4.625%
HK$83,455
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,336/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,353
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,562
−HK$2,241/mo
Today · 4.125%
HK$86,803
baseline
▲ 0.50% · 4.625%
HK$91,378
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,606/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,364
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,050
−HK$2,730/mo
Today · 4.125%
HK$91,780
baseline
▲ 0.50% · 4.625%
HK$97,364
+HK$5,584/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,560/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,079
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,656
−HK$2,614/mo
Today · 4.125%
HK$101,270
baseline
▲ 0.50% · 4.625%
HK$106,608
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,540/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,039
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,493
−HK$3,510/mo
Today · 4.125%
HK$118,003
baseline
▲ 0.50% · 4.625%
HK$125,183
+HK$7,180/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,006/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,530
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,843
−HK$3,361/mo
Today · 4.125%
HK$130,204
baseline
▲ 0.50% · 4.625%
HK$137,067
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,408/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,768 · Scale 2, in force from 26 Feb 2026)