LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,785
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,707
−HK$1,953/mo
Today · 4.125%
HK$65,660
baseline
▲ 0.50% · 4.625%
HK$69,655
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,320/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,735
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,579
−HK$1,870/mo
Today · 4.125%
HK$72,449
baseline
▲ 0.50% · 4.625%
HK$76,268
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,898/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,142
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,448
−HK$2,344/mo
Today · 4.125%
HK$78,792
baseline
▲ 0.50% · 4.625%
HK$83,586
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,584/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,482
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,695
−HK$2,244/mo
Today · 4.125%
HK$86,939
baseline
▲ 0.50% · 4.625%
HK$91,521
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,878/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,499
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,190
−HK$2,733/mo
Today · 4.125%
HK$91,923
baseline
▲ 0.50% · 4.625%
HK$97,517
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,846/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,230
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,810
−HK$2,618/mo
Today · 4.125%
HK$101,428
baseline
▲ 0.50% · 4.625%
HK$106,775
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,856/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,213
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,673
−HK$3,514/mo
Today · 4.125%
HK$118,187
baseline
▲ 0.50% · 4.625%
HK$125,379
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,374/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,724
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,042
−HK$3,366/mo
Today · 4.125%
HK$130,408
baseline
▲ 0.50% · 4.625%
HK$137,282
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,816/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,568 · Scale 2, in force from 26 Feb 2026)