LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,697
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,617
−HK$1,949/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$1,867/mo
Today · 4.125%
HK$72,346
baseline
▲ 0.50% · 4.625%
HK$76,160
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,692/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,037
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,340
−HK$2,340/mo
Today · 4.125%
HK$78,680
baseline
▲ 0.50% · 4.625%
HK$83,467
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,360/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,365
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,574
−HK$2,241/mo
Today · 4.125%
HK$86,815
baseline
▲ 0.50% · 4.625%
HK$91,391
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,630/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,376
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,063
−HK$2,730/mo
Today · 4.125%
HK$91,793
baseline
▲ 0.50% · 4.625%
HK$97,378
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,586/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,093
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,670
−HK$2,615/mo
Today · 4.125%
HK$101,285
baseline
▲ 0.50% · 4.625%
HK$106,623
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,570/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,055
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,510
−HK$3,510/mo
Today · 4.125%
HK$118,020
baseline
▲ 0.50% · 4.625%
HK$125,201
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,040/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,548
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,862
−HK$3,361/mo
Today · 4.125%
HK$130,223
baseline
▲ 0.50% · 4.625%
HK$137,087
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,446/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,933 · Scale 2, in force from 26 Feb 2026)