LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,790
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,952/mo
Today · 4.125%
HK$65,664
baseline
▲ 0.50% · 4.625%
HK$69,660
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,328/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,584
−HK$1,870/mo
Today · 4.125%
HK$72,454
baseline
▲ 0.50% · 4.625%
HK$76,273
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,908/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,147
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,454
−HK$2,343/mo
Today · 4.125%
HK$78,797
baseline
▲ 0.50% · 4.625%
HK$83,592
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,594/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,488
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,701
−HK$2,244/mo
Today · 4.125%
HK$86,945
baseline
▲ 0.50% · 4.625%
HK$91,528
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,890/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,505
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,196
−HK$2,734/mo
Today · 4.125%
HK$91,930
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,860/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,236
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,817
−HK$2,619/mo
Today · 4.125%
HK$101,436
baseline
▲ 0.50% · 4.625%
HK$106,782
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,872/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,221
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,681
−HK$3,515/mo
Today · 4.125%
HK$118,196
baseline
▲ 0.50% · 4.625%
HK$125,388
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,392/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,732
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,051
−HK$3,366/mo
Today · 4.125%
HK$130,417
baseline
▲ 0.50% · 4.625%
HK$137,292
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,834/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,650 · Scale 2, in force from 26 Feb 2026)