LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,787
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,953/mo
Today · 4.125%
HK$65,662
baseline
▲ 0.50% · 4.625%
HK$69,657
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,324/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,738
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$1,871/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,271
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,904/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,145
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,451
−HK$2,344/mo
Today · 4.125%
HK$78,795
baseline
▲ 0.50% · 4.625%
HK$83,589
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,590/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,486
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,698
−HK$2,244/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$91,525
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,502
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,193
−HK$2,734/mo
Today · 4.125%
HK$91,927
baseline
▲ 0.50% · 4.625%
HK$97,520
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,854/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,233
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,814
−HK$2,618/mo
Today · 4.125%
HK$101,432
baseline
▲ 0.50% · 4.625%
HK$106,779
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,864/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,217
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,677
−HK$3,515/mo
Today · 4.125%
HK$118,192
baseline
▲ 0.50% · 4.625%
HK$125,383
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,384/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,728
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,047
−HK$3,366/mo
Today · 4.125%
HK$130,413
baseline
▲ 0.50% · 4.625%
HK$137,287
+HK$6,874/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,826/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,611 · Scale 2, in force from 26 Feb 2026)