LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,784
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,952/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,653
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,734
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,577
−HK$1,870/mo
Today · 4.125%
HK$72,447
baseline
▲ 0.50% · 4.625%
HK$76,266
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,894/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,141
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,447
−HK$2,343/mo
Today · 4.125%
HK$78,790
baseline
▲ 0.50% · 4.625%
HK$83,584
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,580/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,481
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,693
−HK$2,244/mo
Today · 4.125%
HK$86,937
baseline
▲ 0.50% · 4.625%
HK$91,519
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,874/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,497
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,188
−HK$2,733/mo
Today · 4.125%
HK$91,921
baseline
▲ 0.50% · 4.625%
HK$97,515
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,842/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,227
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,808
−HK$2,618/mo
Today · 4.125%
HK$101,426
baseline
▲ 0.50% · 4.625%
HK$106,773
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,852/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,211
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,670
−HK$3,515/mo
Today · 4.125%
HK$118,185
baseline
▲ 0.50% · 4.625%
HK$125,376
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,370/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,721
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,039
−HK$3,366/mo
Today · 4.125%
HK$130,405
baseline
▲ 0.50% · 4.625%
HK$137,279
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,810/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,542 · Scale 2, in force from 26 Feb 2026)