LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,861
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,785
−HK$1,955/mo
Today · 4.125%
HK$65,740
baseline
▲ 0.50% · 4.625%
HK$69,740
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,480/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,819
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,665
−HK$1,872/mo
Today · 4.125%
HK$72,537
baseline
▲ 0.50% · 4.625%
HK$76,361
+HK$3,824/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,074/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,233
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,346/mo
Today · 4.125%
HK$78,888
baseline
▲ 0.50% · 4.625%
HK$83,688
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,776/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,583
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,798
−HK$2,247/mo
Today · 4.125%
HK$87,045
baseline
▲ 0.50% · 4.625%
HK$91,633
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,090/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,605
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,299
−HK$2,737/mo
Today · 4.125%
HK$92,036
baseline
▲ 0.50% · 4.625%
HK$97,636
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,072/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,347
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,931
−HK$2,621/mo
Today · 4.125%
HK$101,552
baseline
▲ 0.50% · 4.625%
HK$106,905
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,104/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,349
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,813
−HK$3,518/mo
Today · 4.125%
HK$118,331
baseline
▲ 0.50% · 4.625%
HK$125,532
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,662/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,875
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,197
−HK$3,370/mo
Today · 4.125%
HK$130,567
baseline
▲ 0.50% · 4.625%
HK$137,450
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,134/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,973 · Scale 2, in force from 26 Feb 2026)