LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,757
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,951/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,994/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,546
−HK$1,869/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,108
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,413
−HK$2,342/mo
Today · 4.125%
HK$78,755
baseline
▲ 0.50% · 4.625%
HK$83,547
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,510/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,444
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,655
−HK$2,243/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$91,479
+HK$4,581/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,459
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,149
−HK$2,732/mo
Today · 4.125%
HK$91,881
baseline
▲ 0.50% · 4.625%
HK$97,472
+HK$5,591/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,762/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,185
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,765
−HK$2,616/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$106,725
+HK$5,344/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,162
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,620
−HK$3,513/mo
Today · 4.125%
HK$118,133
baseline
▲ 0.50% · 4.625%
HK$125,321
+HK$7,188/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,266/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,666
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,983
−HK$3,365/mo
Today · 4.125%
HK$130,348
baseline
▲ 0.50% · 4.625%
HK$137,218
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,696/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,034 · Scale 2, in force from 26 Feb 2026)