LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,755
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,951/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,621
+HK$3,994/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,702
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$1,869/mo
Today · 4.125%
HK$72,413
baseline
▲ 0.50% · 4.625%
HK$76,230
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,826/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,106
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,411
−HK$2,342/mo
Today · 4.125%
HK$78,753
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,506/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,442
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,653
−HK$2,243/mo
Today · 4.125%
HK$86,896
baseline
▲ 0.50% · 4.625%
HK$91,476
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,792/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,457
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,146
−HK$2,732/mo
Today · 4.125%
HK$91,878
baseline
▲ 0.50% · 4.625%
HK$97,469
+HK$5,591/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,756/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,182
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,762
−HK$2,617/mo
Today · 4.125%
HK$101,379
baseline
▲ 0.50% · 4.625%
HK$106,722
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,758/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,159
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,616
−HK$3,513/mo
Today · 4.125%
HK$118,129
baseline
▲ 0.50% · 4.625%
HK$125,317
+HK$7,188/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,258/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,663
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,979
−HK$3,365/mo
Today · 4.125%
HK$130,344
baseline
▲ 0.50% · 4.625%
HK$137,215
+HK$6,871/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,688/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,002 · Scale 2, in force from 26 Feb 2026)