LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,857
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,955/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,816
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$1,872/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,357
+HK$3,824/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,229
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,538
−HK$2,345/mo
Today · 4.125%
HK$78,883
baseline
▲ 0.50% · 4.625%
HK$83,683
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,766/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,579
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,793
−HK$2,247/mo
Today · 4.125%
HK$87,040
baseline
▲ 0.50% · 4.625%
HK$91,628
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,080/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,600
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,294
−HK$2,737/mo
Today · 4.125%
HK$92,031
baseline
▲ 0.50% · 4.625%
HK$97,631
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,062/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,342
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,926
−HK$2,621/mo
Today · 4.125%
HK$101,547
baseline
▲ 0.50% · 4.625%
HK$106,899
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,094/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,343
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,806
−HK$3,519/mo
Today · 4.125%
HK$118,325
baseline
▲ 0.50% · 4.625%
HK$125,525
+HK$7,200/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,650/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,868
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,190
−HK$3,370/mo
Today · 4.125%
HK$130,560
baseline
▲ 0.50% · 4.625%
HK$137,442
+HK$6,882/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,120/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,911 · Scale 2, in force from 26 Feb 2026)