LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,872
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,955/mo
Today · 4.125%
HK$65,752
baseline
▲ 0.50% · 4.625%
HK$69,753
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,504/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,832
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,678
−HK$1,873/mo
Today · 4.125%
HK$72,551
baseline
▲ 0.50% · 4.625%
HK$76,375
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,102/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,247
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,556
−HK$2,347/mo
Today · 4.125%
HK$78,903
baseline
▲ 0.50% · 4.625%
HK$83,704
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,806/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,599
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,814
−HK$2,247/mo
Today · 4.125%
HK$87,061
baseline
▲ 0.50% · 4.625%
HK$91,650
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,122/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,621
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,315
−HK$2,738/mo
Today · 4.125%
HK$92,053
baseline
▲ 0.50% · 4.625%
HK$97,654
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,106/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,365
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,949
−HK$2,622/mo
Today · 4.125%
HK$101,571
baseline
▲ 0.50% · 4.625%
HK$106,925
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,142/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,370
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,834
−HK$3,520/mo
Today · 4.125%
HK$118,354
baseline
▲ 0.50% · 4.625%
HK$125,555
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,708/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,898
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,221
−HK$3,371/mo
Today · 4.125%
HK$130,592
baseline
▲ 0.50% · 4.625%
HK$137,475
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,184/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,190 · Scale 2, in force from 26 Feb 2026)