LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,900
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,826
−HK$1,956/mo
Today · 4.125%
HK$65,782
baseline
▲ 0.50% · 4.625%
HK$69,785
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,564/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,863
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,710
−HK$1,874/mo
Today · 4.125%
HK$72,584
baseline
▲ 0.50% · 4.625%
HK$76,410
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,168/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,280
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,591
−HK$2,347/mo
Today · 4.125%
HK$78,938
baseline
▲ 0.50% · 4.625%
HK$83,742
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,876/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,636
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,852
−HK$2,249/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$91,692
+HK$4,591/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,660
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,356
−HK$2,739/mo
Today · 4.125%
HK$92,095
baseline
▲ 0.50% · 4.625%
HK$97,699
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,190/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,409
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$98,994
−HK$2,624/mo
Today · 4.125%
HK$101,618
baseline
▲ 0.50% · 4.625%
HK$106,974
+HK$5,356/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,236/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,421
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,886
−HK$3,522/mo
Today · 4.125%
HK$118,408
baseline
▲ 0.50% · 4.625%
HK$125,612
+HK$7,204/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,816/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,954
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,279
−HK$3,372/mo
Today · 4.125%
HK$130,651
baseline
▲ 0.50% · 4.625%
HK$137,538
+HK$6,887/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,302/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,714 · Scale 2, in force from 26 Feb 2026)