LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,746
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,667
−HK$1,951/mo
Today · 4.125%
HK$65,618
baseline
▲ 0.50% · 4.625%
HK$69,611
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,236/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,692
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$1,869/mo
Today · 4.125%
HK$72,404
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,808/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,401
−HK$2,341/mo
Today · 4.125%
HK$78,742
baseline
▲ 0.50% · 4.625%
HK$83,533
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,484/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,641
−HK$2,243/mo
Today · 4.125%
HK$86,884
baseline
▲ 0.50% · 4.625%
HK$91,464
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,768/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,445
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,134
−HK$2,732/mo
Today · 4.125%
HK$91,866
baseline
▲ 0.50% · 4.625%
HK$97,456
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,732/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,169
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,748
−HK$2,617/mo
Today · 4.125%
HK$101,365
baseline
▲ 0.50% · 4.625%
HK$106,708
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,730/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,144
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,601
−HK$3,512/mo
Today · 4.125%
HK$118,113
baseline
▲ 0.50% · 4.625%
HK$125,300
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,226/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,646
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,962
−HK$3,364/mo
Today · 4.125%
HK$130,326
baseline
▲ 0.50% · 4.625%
HK$137,196
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,652/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,846 · Scale 2, in force from 26 Feb 2026)