LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,792
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,714
−HK$1,953/mo
Today · 4.125%
HK$65,667
baseline
▲ 0.50% · 4.625%
HK$69,662
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,334/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,743
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,586
−HK$1,871/mo
Today · 4.125%
HK$72,457
baseline
▲ 0.50% · 4.625%
HK$76,276
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,914/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,150
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,457
−HK$2,343/mo
Today · 4.125%
HK$78,800
baseline
▲ 0.50% · 4.625%
HK$83,595
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,600/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,491
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,704
−HK$2,244/mo
Today · 4.125%
HK$86,948
baseline
▲ 0.50% · 4.625%
HK$91,531
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,896/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,509
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,199
−HK$2,734/mo
Today · 4.125%
HK$91,933
baseline
▲ 0.50% · 4.625%
HK$97,527
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,866/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,240
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,821
−HK$2,618/mo
Today · 4.125%
HK$101,439
baseline
▲ 0.50% · 4.625%
HK$106,786
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,878/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,225
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,685
−HK$3,515/mo
Today · 4.125%
HK$118,200
baseline
▲ 0.50% · 4.625%
HK$125,392
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,400/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,737
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,056
−HK$3,366/mo
Today · 4.125%
HK$130,422
baseline
▲ 0.50% · 4.625%
HK$137,297
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,844/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,692 · Scale 2, in force from 26 Feb 2026)