LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,800
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,722
−HK$1,953/mo
Today · 4.125%
HK$65,675
baseline
▲ 0.50% · 4.625%
HK$69,671
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,350/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,751
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,595
−HK$1,871/mo
Today · 4.125%
HK$72,466
baseline
▲ 0.50% · 4.625%
HK$76,286
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,932/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,160
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,466
−HK$2,344/mo
Today · 4.125%
HK$78,810
baseline
▲ 0.50% · 4.625%
HK$83,605
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,620/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,502
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,714
−HK$2,245/mo
Today · 4.125%
HK$86,959
baseline
▲ 0.50% · 4.625%
HK$91,543
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,918/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,519
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,211
−HK$2,734/mo
Today · 4.125%
HK$91,945
baseline
▲ 0.50% · 4.625%
HK$97,540
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,890/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,252
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,833
−HK$2,619/mo
Today · 4.125%
HK$101,452
baseline
▲ 0.50% · 4.625%
HK$106,800
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,904/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,239
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,699
−HK$3,516/mo
Today · 4.125%
HK$118,215
baseline
▲ 0.50% · 4.625%
HK$125,408
+HK$7,193/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,430/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,753
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,072
−HK$3,367/mo
Today · 4.125%
HK$130,439
baseline
▲ 0.50% · 4.625%
HK$137,314
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,878/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,837 · Scale 2, in force from 26 Feb 2026)