LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,721
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,641
−HK$1,951/mo
Today · 4.125%
HK$65,592
baseline
▲ 0.50% · 4.625%
HK$69,583
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,184/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,664
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,506
−HK$1,868/mo
Today · 4.125%
HK$72,374
baseline
▲ 0.50% · 4.625%
HK$76,189
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,748/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,341/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,397
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,607
−HK$2,242/mo
Today · 4.125%
HK$86,849
baseline
▲ 0.50% · 4.625%
HK$91,427
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,698/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,410
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,098
−HK$2,730/mo
Today · 4.125%
HK$91,828
baseline
▲ 0.50% · 4.625%
HK$97,416
+HK$5,588/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,656/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,130
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,708
−HK$2,616/mo
Today · 4.125%
HK$101,324
baseline
▲ 0.50% · 4.625%
HK$106,664
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,648/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,098
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,554
−HK$3,511/mo
Today · 4.125%
HK$118,065
baseline
▲ 0.50% · 4.625%
HK$125,249
+HK$7,184/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,130/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,596
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,910
−HK$3,363/mo
Today · 4.125%
HK$130,273
baseline
▲ 0.50% · 4.625%
HK$137,140
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,546/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,376 · Scale 2, in force from 26 Feb 2026)