LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,751
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,952/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,617
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,540
−HK$1,869/mo
Today · 4.125%
HK$72,409
baseline
▲ 0.50% · 4.625%
HK$76,226
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,818/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,101
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,406
−HK$2,342/mo
Today · 4.125%
HK$78,748
baseline
▲ 0.50% · 4.625%
HK$83,540
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,496/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,437
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,648
−HK$2,243/mo
Today · 4.125%
HK$86,891
baseline
▲ 0.50% · 4.625%
HK$91,471
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,782/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,452
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,141
−HK$2,732/mo
Today · 4.125%
HK$91,873
baseline
▲ 0.50% · 4.625%
HK$97,463
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,746/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,177
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,756
−HK$2,617/mo
Today · 4.125%
HK$101,373
baseline
▲ 0.50% · 4.625%
HK$106,716
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,746/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,152
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,610
−HK$3,512/mo
Today · 4.125%
HK$118,122
baseline
▲ 0.50% · 4.625%
HK$125,310
+HK$7,188/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,244/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,656
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,972
−HK$3,364/mo
Today · 4.125%
HK$130,336
baseline
▲ 0.50% · 4.625%
HK$137,207
+HK$6,871/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,672/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,936 · Scale 2, in force from 26 Feb 2026)