LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,818
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,741
−HK$1,953/mo
Today · 4.125%
HK$65,694
baseline
▲ 0.50% · 4.625%
HK$69,692
+HK$3,998/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,388/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,772
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,616
−HK$1,871/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,181
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,489
−HK$2,344/mo
Today · 4.125%
HK$78,833
baseline
▲ 0.50% · 4.625%
HK$83,630
+HK$4,797/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$157,666/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,526
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,739
−HK$2,246/mo
Today · 4.125%
HK$86,985
baseline
▲ 0.50% · 4.625%
HK$91,570
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.27M · min. income ≈ HK$173,970/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,545
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,237
−HK$2,735/mo
Today · 4.125%
HK$91,972
baseline
▲ 0.50% · 4.625%
HK$97,568
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,944/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,280
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,862
−HK$2,620/mo
Today · 4.125%
HK$101,482
baseline
▲ 0.50% · 4.625%
HK$106,831
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,964/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,272
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,733
−HK$3,517/mo
Today · 4.125%
HK$118,250
baseline
▲ 0.50% · 4.625%
HK$125,445
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,500/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,789
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,109
−HK$3,368/mo
Today · 4.125%
HK$130,477
baseline
▲ 0.50% · 4.625%
HK$137,354
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,954/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,175 · Scale 2, in force from 26 Feb 2026)