LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,703
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,950/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,644
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,485
−HK$1,868/mo
Today · 4.125%
HK$72,353
baseline
▲ 0.50% · 4.625%
HK$76,167
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,706/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,044
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,347
−HK$2,340/mo
Today · 4.125%
HK$78,687
baseline
▲ 0.50% · 4.625%
HK$83,475
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,374/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,373
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,582
−HK$2,242/mo
Today · 4.125%
HK$86,824
baseline
▲ 0.50% · 4.625%
HK$91,400
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,648/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,385
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,072
−HK$2,730/mo
Today · 4.125%
HK$91,802
baseline
▲ 0.50% · 4.625%
HK$97,388
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,604/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,102
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,679
−HK$2,615/mo
Today · 4.125%
HK$101,294
baseline
▲ 0.50% · 4.625%
HK$106,633
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,588/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,066
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,521
−HK$3,510/mo
Today · 4.125%
HK$118,031
baseline
▲ 0.50% · 4.625%
HK$125,213
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,062/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,560
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,874
−HK$3,361/mo
Today · 4.125%
HK$130,235
baseline
▲ 0.50% · 4.625%
HK$137,100
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,470/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,042 · Scale 2, in force from 26 Feb 2026)