LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,696
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,615
−HK$1,950/mo
Today · 4.125%
HK$65,565
baseline
▲ 0.50% · 4.625%
HK$69,555
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,130/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,636
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,477
−HK$1,868/mo
Today · 4.125%
HK$72,345
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,690/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,340/mo
Today · 4.125%
HK$78,678
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,356/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,364
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,573
−HK$2,241/mo
Today · 4.125%
HK$86,814
baseline
▲ 0.50% · 4.625%
HK$91,390
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,628/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,375
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,730/mo
Today · 4.125%
HK$91,791
baseline
▲ 0.50% · 4.625%
HK$97,376
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,582/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,091
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,668
−HK$2,615/mo
Today · 4.125%
HK$101,283
baseline
▲ 0.50% · 4.625%
HK$106,621
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,566/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,053
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,508
−HK$3,509/mo
Today · 4.125%
HK$118,017
baseline
▲ 0.50% · 4.625%
HK$125,198
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,034/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,546
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,859
−HK$3,361/mo
Today · 4.125%
HK$130,220
baseline
▲ 0.50% · 4.625%
HK$137,084
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,440/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,911 · Scale 2, in force from 26 Feb 2026)