LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,813
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,736
−HK$1,953/mo
Today · 4.125%
HK$65,689
baseline
▲ 0.50% · 4.625%
HK$69,686
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,378/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,766
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,611
−HK$1,870/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,302
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,176
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,483
−HK$2,344/mo
Today · 4.125%
HK$78,827
baseline
▲ 0.50% · 4.625%
HK$83,623
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,654/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,520
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,733
−HK$2,245/mo
Today · 4.125%
HK$86,978
baseline
▲ 0.50% · 4.625%
HK$91,563
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,956/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,538
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,230
−HK$2,735/mo
Today · 4.125%
HK$91,965
baseline
▲ 0.50% · 4.625%
HK$97,561
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,930/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,273
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,855
−HK$2,619/mo
Today · 4.125%
HK$101,474
baseline
▲ 0.50% · 4.625%
HK$106,823
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,948/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,263
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,724
−HK$3,516/mo
Today · 4.125%
HK$118,240
baseline
▲ 0.50% · 4.625%
HK$125,435
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,480/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,779
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,099
−HK$3,368/mo
Today · 4.125%
HK$130,467
baseline
▲ 0.50% · 4.625%
HK$137,344
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,934/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,086 · Scale 2, in force from 26 Feb 2026)