LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,781
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,703
−HK$1,953/mo
Today · 4.125%
HK$65,656
baseline
▲ 0.50% · 4.625%
HK$69,651
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,312/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,575
−HK$1,870/mo
Today · 4.125%
HK$72,445
baseline
▲ 0.50% · 4.625%
HK$76,263
+HK$3,818/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,890/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,138
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,444
−HK$2,343/mo
Today · 4.125%
HK$78,787
baseline
▲ 0.50% · 4.625%
HK$83,581
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,574/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,478
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,690
−HK$2,244/mo
Today · 4.125%
HK$86,934
baseline
▲ 0.50% · 4.625%
HK$91,516
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,868/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,494
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,185
−HK$2,733/mo
Today · 4.125%
HK$91,918
baseline
▲ 0.50% · 4.625%
HK$97,511
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,836/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,224
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,804
−HK$2,618/mo
Today · 4.125%
HK$101,422
baseline
▲ 0.50% · 4.625%
HK$106,769
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,844/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,207
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,666
−HK$3,514/mo
Today · 4.125%
HK$118,180
baseline
▲ 0.50% · 4.625%
HK$125,371
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,360/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,716
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,034
−HK$3,366/mo
Today · 4.125%
HK$130,400
baseline
▲ 0.50% · 4.625%
HK$137,274
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,800/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,499 · Scale 2, in force from 26 Feb 2026)