LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,693
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,950/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,551
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$1,868/mo
Today · 4.125%
HK$72,341
baseline
▲ 0.50% · 4.625%
HK$76,154
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,682/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,032
−HK$4,642/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$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,359
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,568
−HK$2,241/mo
Today · 4.125%
HK$86,809
baseline
▲ 0.50% · 4.625%
HK$91,385
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,618/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,370
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,057
−HK$2,729/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$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,086
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,663
−HK$2,614/mo
Today · 4.125%
HK$101,277
baseline
▲ 0.50% · 4.625%
HK$106,616
+HK$5,339/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$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,047
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,501
−HK$3,510/mo
Today · 4.125%
HK$118,011
baseline
▲ 0.50% · 4.625%
HK$125,192
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,022/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,539
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,852
−HK$3,361/mo
Today · 4.125%
HK$130,213
baseline
▲ 0.50% · 4.625%
HK$137,077
+HK$6,864/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$1,149,849 · Scale 2, in force from 26 Feb 2026)