LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,804
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,954/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,676
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,756
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$1,871/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,291
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,165
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,472
−HK$2,344/mo
Today · 4.125%
HK$78,816
baseline
▲ 0.50% · 4.625%
HK$83,611
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,632/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,508
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,720
−HK$2,245/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$91,549
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,526
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,217
−HK$2,735/mo
Today · 4.125%
HK$91,952
baseline
▲ 0.50% · 4.625%
HK$97,547
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,904/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,259
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,840
−HK$2,619/mo
Today · 4.125%
HK$101,459
baseline
▲ 0.50% · 4.625%
HK$106,807
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,918/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,247
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,708
−HK$3,515/mo
Today · 4.125%
HK$118,223
baseline
▲ 0.50% · 4.625%
HK$125,417
+HK$7,194/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,446/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,761
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,081
−HK$3,367/mo
Today · 4.125%
HK$130,448
baseline
▲ 0.50% · 4.625%
HK$137,324
+HK$6,876/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,896/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,919 · Scale 2, in force from 26 Feb 2026)