LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,739
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,951/mo
Today · 4.125%
HK$65,610
baseline
▲ 0.50% · 4.625%
HK$69,602
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,220/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,684
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,526
−HK$1,868/mo
Today · 4.125%
HK$72,394
baseline
▲ 0.50% · 4.625%
HK$76,210
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,788/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,086
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,391
−HK$2,341/mo
Today · 4.125%
HK$78,732
baseline
▲ 0.50% · 4.625%
HK$83,523
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,464/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,420
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,631
−HK$2,242/mo
Today · 4.125%
HK$86,873
baseline
▲ 0.50% · 4.625%
HK$91,453
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,746/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,434
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,123
−HK$2,731/mo
Today · 4.125%
HK$91,854
baseline
▲ 0.50% · 4.625%
HK$97,443
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,708/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,157
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,736
−HK$2,616/mo
Today · 4.125%
HK$101,352
baseline
▲ 0.50% · 4.625%
HK$106,695
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,704/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,130
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,586
−HK$3,512/mo
Today · 4.125%
HK$118,098
baseline
▲ 0.50% · 4.625%
HK$125,284
+HK$7,186/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,196/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,631
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,946
−HK$3,364/mo
Today · 4.125%
HK$130,310
baseline
▲ 0.50% · 4.625%
HK$137,179
+HK$6,869/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,620/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,702 · Scale 2, in force from 26 Feb 2026)