LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,768
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,952/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,636
+HK$3,995/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,716
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,559
−HK$1,870/mo
Today · 4.125%
HK$72,429
baseline
▲ 0.50% · 4.625%
HK$76,247
+HK$3,818/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,858/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,122
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,427
−HK$2,343/mo
Today · 4.125%
HK$78,770
baseline
▲ 0.50% · 4.625%
HK$83,563
+HK$4,793/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$157,540/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,460
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,671
−HK$2,244/mo
Today · 4.125%
HK$86,915
baseline
▲ 0.50% · 4.625%
HK$91,496
+HK$4,581/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$173,830/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,475
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,165
−HK$2,733/mo
Today · 4.125%
HK$91,898
baseline
▲ 0.50% · 4.625%
HK$97,490
+HK$5,592/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,796/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,203
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,783
−HK$2,617/mo
Today · 4.125%
HK$101,400
baseline
▲ 0.50% · 4.625%
HK$106,745
+HK$5,345/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,800/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,182
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,641
−HK$3,514/mo
Today · 4.125%
HK$118,155
baseline
▲ 0.50% · 4.625%
HK$125,344
+HK$7,189/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,310/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,689
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,007
−HK$3,365/mo
Today · 4.125%
HK$130,372
baseline
▲ 0.50% · 4.625%
HK$137,244
+HK$6,872/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,744/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,249 · Scale 2, in force from 26 Feb 2026)