LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,777
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,699
−HK$1,952/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,646
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,727
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,570
−HK$1,870/mo
Today · 4.125%
HK$72,440
baseline
▲ 0.50% · 4.625%
HK$76,258
+HK$3,818/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,880/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,133
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,439
−HK$2,343/mo
Today · 4.125%
HK$78,782
baseline
▲ 0.50% · 4.625%
HK$83,575
+HK$4,793/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,564/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,472
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,684
−HK$2,244/mo
Today · 4.125%
HK$86,928
baseline
▲ 0.50% · 4.625%
HK$91,510
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,856/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,488
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,178
−HK$2,734/mo
Today · 4.125%
HK$91,912
baseline
▲ 0.50% · 4.625%
HK$97,504
+HK$5,592/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,824/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,217
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,798
−HK$2,618/mo
Today · 4.125%
HK$101,416
baseline
▲ 0.50% · 4.625%
HK$106,761
+HK$5,345/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,832/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,199
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,658
−HK$3,514/mo
Today · 4.125%
HK$118,172
baseline
▲ 0.50% · 4.625%
HK$125,363
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,344/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,708
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,026
−HK$3,365/mo
Today · 4.125%
HK$130,391
baseline
▲ 0.50% · 4.625%
HK$137,265
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,782/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,421 · Scale 2, in force from 26 Feb 2026)