LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,793
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,715
−HK$1,953/mo
Today · 4.125%
HK$65,668
baseline
▲ 0.50% · 4.625%
HK$69,663
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,336/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,744
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,588
−HK$1,870/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,277
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,151
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,458
−HK$2,343/mo
Today · 4.125%
HK$78,801
baseline
▲ 0.50% · 4.625%
HK$83,596
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,602/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,244/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$91,533
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,510
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,201
−HK$2,734/mo
Today · 4.125%
HK$91,935
baseline
▲ 0.50% · 4.625%
HK$97,529
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,870/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,241
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,823
−HK$2,618/mo
Today · 4.125%
HK$101,441
baseline
▲ 0.50% · 4.625%
HK$106,788
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,882/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,227
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,687
−HK$3,515/mo
Today · 4.125%
HK$118,202
baseline
▲ 0.50% · 4.625%
HK$125,394
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,404/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,739
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,058
−HK$3,366/mo
Today · 4.125%
HK$130,424
baseline
▲ 0.50% · 4.625%
HK$137,299
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,848/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,710 · Scale 2, in force from 26 Feb 2026)