LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,787
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,952/mo
Today · 4.125%
HK$65,661
baseline
▲ 0.50% · 4.625%
HK$69,657
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,322/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,737
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$1,870/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,270
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,144
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,450
−HK$2,344/mo
Today · 4.125%
HK$78,794
baseline
▲ 0.50% · 4.625%
HK$83,588
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,588/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,485
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,697
−HK$2,244/mo
Today · 4.125%
HK$86,941
baseline
▲ 0.50% · 4.625%
HK$91,524
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,882/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,502
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,192
−HK$2,734/mo
Today · 4.125%
HK$91,926
baseline
▲ 0.50% · 4.625%
HK$97,519
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,852/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,232
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,813
−HK$2,618/mo
Today · 4.125%
HK$101,431
baseline
▲ 0.50% · 4.625%
HK$106,778
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,862/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,216
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,676
−HK$3,514/mo
Today · 4.125%
HK$118,190
baseline
▲ 0.50% · 4.625%
HK$125,382
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,380/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,727
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,045
−HK$3,367/mo
Today · 4.125%
HK$130,412
baseline
▲ 0.50% · 4.625%
HK$137,286
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,824/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,598 · Scale 2, in force from 26 Feb 2026)