LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,750
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,671
−HK$1,952/mo
Today · 4.125%
HK$65,623
baseline
▲ 0.50% · 4.625%
HK$69,616
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,246/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,697
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,539
−HK$1,869/mo
Today · 4.125%
HK$72,408
baseline
▲ 0.50% · 4.625%
HK$76,225
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,816/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,101
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,405
−HK$2,342/mo
Today · 4.125%
HK$78,747
baseline
▲ 0.50% · 4.625%
HK$83,539
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,494/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,436
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,647
−HK$2,243/mo
Today · 4.125%
HK$86,890
baseline
▲ 0.50% · 4.625%
HK$91,470
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,780/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,451
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,140
−HK$2,732/mo
Today · 4.125%
HK$91,872
baseline
▲ 0.50% · 4.625%
HK$97,462
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,744/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,175
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$2,616/mo
Today · 4.125%
HK$101,371
baseline
▲ 0.50% · 4.625%
HK$106,715
+HK$5,344/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,742/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,151
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,608
−HK$3,513/mo
Today · 4.125%
HK$118,121
baseline
▲ 0.50% · 4.625%
HK$125,308
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,242/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,654
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,970
−HK$3,365/mo
Today · 4.125%
HK$130,335
baseline
▲ 0.50% · 4.625%
HK$137,205
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,670/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,921 · Scale 2, in force from 26 Feb 2026)