LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,866
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,790
−HK$1,955/mo
Today · 4.125%
HK$65,745
baseline
▲ 0.50% · 4.625%
HK$69,746
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,490/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,825
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$1,872/mo
Today · 4.125%
HK$72,543
baseline
▲ 0.50% · 4.625%
HK$76,367
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,086/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,239
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,548
−HK$2,346/mo
Today · 4.125%
HK$78,894
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,788/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,590
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,805
−HK$2,247/mo
Today · 4.125%
HK$87,052
baseline
▲ 0.50% · 4.625%
HK$91,641
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,104/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,612
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,306
−HK$2,737/mo
Today · 4.125%
HK$92,043
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,086/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,355
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,939
−HK$2,622/mo
Today · 4.125%
HK$101,561
baseline
▲ 0.50% · 4.625%
HK$106,914
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,122/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,358
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,822
−HK$3,519/mo
Today · 4.125%
HK$118,341
baseline
▲ 0.50% · 4.625%
HK$125,542
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,682/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,885
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,207
−HK$3,371/mo
Today · 4.125%
HK$130,578
baseline
▲ 0.50% · 4.625%
HK$137,461
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,156/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,069 · Scale 2, in force from 26 Feb 2026)