LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,689
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,608
−HK$1,950/mo
Today · 4.125%
HK$65,558
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,116/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,629
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,469
−HK$1,868/mo
Today · 4.125%
HK$72,337
baseline
▲ 0.50% · 4.625%
HK$76,150
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,674/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,027
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,330
−HK$2,339/mo
Today · 4.125%
HK$78,669
baseline
▲ 0.50% · 4.625%
HK$83,456
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,338/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,355
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,563
−HK$2,241/mo
Today · 4.125%
HK$86,804
baseline
▲ 0.50% · 4.625%
HK$91,379
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,608/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,365
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,052
−HK$2,729/mo
Today · 4.125%
HK$91,781
baseline
▲ 0.50% · 4.625%
HK$97,366
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,562/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,080
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,657
−HK$2,614/mo
Today · 4.125%
HK$101,271
baseline
▲ 0.50% · 4.625%
HK$106,609
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,542/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,041
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,495
−HK$3,509/mo
Today · 4.125%
HK$118,004
baseline
▲ 0.50% · 4.625%
HK$125,184
+HK$7,180/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,008/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,532
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,845
−HK$3,361/mo
Today · 4.125%
HK$130,206
baseline
▲ 0.50% · 4.625%
HK$137,069
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,412/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,783 · Scale 2, in force from 26 Feb 2026)