LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,693
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,949/mo
Today · 4.125%
HK$65,561
baseline
▲ 0.50% · 4.625%
HK$69,551
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,122/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,632
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$1,867/mo
Today · 4.125%
HK$72,340
baseline
▲ 0.50% · 4.625%
HK$76,154
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,680/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,031
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,340/mo
Today · 4.125%
HK$78,674
baseline
▲ 0.50% · 4.625%
HK$83,461
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,348/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,359
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,568
−HK$2,240/mo
Today · 4.125%
HK$86,808
baseline
▲ 0.50% · 4.625%
HK$91,384
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,616/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,370
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,056
−HK$2,730/mo
Today · 4.125%
HK$91,786
baseline
▲ 0.50% · 4.625%
HK$97,371
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,572/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,085
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,662
−HK$2,615/mo
Today · 4.125%
HK$101,277
baseline
▲ 0.50% · 4.625%
HK$106,615
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,554/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,047
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,501
−HK$3,509/mo
Today · 4.125%
HK$118,010
baseline
▲ 0.50% · 4.625%
HK$125,191
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,020/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,538
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,852
−HK$3,361/mo
Today · 4.125%
HK$130,213
baseline
▲ 0.50% · 4.625%
HK$137,076
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,426/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,843 · Scale 2, in force from 26 Feb 2026)