LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,859
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,784
−HK$1,955/mo
Today · 4.125%
HK$65,739
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,478/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,818
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,664
−HK$1,872/mo
Today · 4.125%
HK$72,536
baseline
▲ 0.50% · 4.625%
HK$76,359
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,072/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,231
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,540
−HK$2,346/mo
Today · 4.125%
HK$78,886
baseline
▲ 0.50% · 4.625%
HK$83,686
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,772/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,582
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,796
−HK$2,247/mo
Today · 4.125%
HK$87,043
baseline
▲ 0.50% · 4.625%
HK$91,631
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,086/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,603
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,297
−HK$2,737/mo
Today · 4.125%
HK$92,034
baseline
▲ 0.50% · 4.625%
HK$97,634
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,068/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,345
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,929
−HK$2,621/mo
Today · 4.125%
HK$101,550
baseline
▲ 0.50% · 4.625%
HK$106,903
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,100/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,347
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,810
−HK$3,519/mo
Today · 4.125%
HK$118,329
baseline
▲ 0.50% · 4.625%
HK$125,529
+HK$7,200/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,658/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,872
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,195
−HK$3,370/mo
Today · 4.125%
HK$130,565
baseline
▲ 0.50% · 4.625%
HK$137,447
+HK$6,882/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,130/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,952 · Scale 2, in force from 26 Feb 2026)