LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,781
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,702
−HK$1,953/mo
Today · 4.125%
HK$65,655
baseline
▲ 0.50% · 4.625%
HK$69,650
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,310/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,730
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,574
−HK$1,870/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,262
+HK$3,818/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,137
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,443
−HK$2,343/mo
Today · 4.125%
HK$78,786
baseline
▲ 0.50% · 4.625%
HK$83,580
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,572/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,476
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,688
−HK$2,244/mo
Today · 4.125%
HK$86,932
baseline
▲ 0.50% · 4.625%
HK$91,515
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,864/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,493
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,183
−HK$2,734/mo
Today · 4.125%
HK$91,917
baseline
▲ 0.50% · 4.625%
HK$97,510
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,834/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,223
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,803
−HK$2,618/mo
Today · 4.125%
HK$101,421
baseline
▲ 0.50% · 4.625%
HK$106,767
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,842/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,205
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,664
−HK$3,515/mo
Today · 4.125%
HK$118,179
baseline
▲ 0.50% · 4.625%
HK$125,370
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,358/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,715
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,033
−HK$3,366/mo
Today · 4.125%
HK$130,399
baseline
▲ 0.50% · 4.625%
HK$137,272
+HK$6,873/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,798/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,484 · Scale 2, in force from 26 Feb 2026)