LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,706
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,950/mo
Today · 4.125%
HK$65,576
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,152/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$1,867/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,170
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,047
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,351
−HK$2,340/mo
Today · 4.125%
HK$78,691
baseline
▲ 0.50% · 4.625%
HK$83,479
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,382/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,377
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,586
−HK$2,241/mo
Today · 4.125%
HK$86,827
baseline
▲ 0.50% · 4.625%
HK$91,404
+HK$4,577/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,654/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,389
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,076
−HK$2,730/mo
Today · 4.125%
HK$91,806
baseline
▲ 0.50% · 4.625%
HK$97,392
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,612/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,106
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,684
−HK$2,615/mo
Today · 4.125%
HK$101,299
baseline
▲ 0.50% · 4.625%
HK$106,638
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,598/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,071
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,526
−HK$3,510/mo
Today · 4.125%
HK$118,036
baseline
▲ 0.50% · 4.625%
HK$125,218
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,072/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,565
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,879
−HK$3,362/mo
Today · 4.125%
HK$130,241
baseline
▲ 0.50% · 4.625%
HK$137,106
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,482/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,095 · Scale 2, in force from 26 Feb 2026)