LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,846
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,770
−HK$1,955/mo
Today · 4.125%
HK$65,725
baseline
▲ 0.50% · 4.625%
HK$69,724
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,450/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,804
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,649
−HK$1,872/mo
Today · 4.125%
HK$72,521
baseline
▲ 0.50% · 4.625%
HK$76,343
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,042/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,216
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,524
−HK$2,346/mo
Today · 4.125%
HK$78,870
baseline
▲ 0.50% · 4.625%
HK$83,669
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,740/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,564
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,779
−HK$2,246/mo
Today · 4.125%
HK$87,025
baseline
▲ 0.50% · 4.625%
HK$91,612
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,050/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,585
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,278
−HK$2,737/mo
Today · 4.125%
HK$92,015
baseline
▲ 0.50% · 4.625%
HK$97,614
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,030/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,325
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,908
−HK$2,621/mo
Today · 4.125%
HK$101,529
baseline
▲ 0.50% · 4.625%
HK$106,881
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,058/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,324
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,786
−HK$3,519/mo
Today · 4.125%
HK$118,305
baseline
▲ 0.50% · 4.625%
HK$125,503
+HK$7,198/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,610/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,846
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,168
−HK$3,369/mo
Today · 4.125%
HK$130,537
baseline
▲ 0.50% · 4.625%
HK$137,418
+HK$6,881/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,074/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,711 · Scale 2, in force from 26 Feb 2026)