LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,901
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,827
−HK$1,956/mo
Today · 4.125%
HK$65,783
baseline
▲ 0.50% · 4.625%
HK$69,786
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,566/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,864
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,711
−HK$1,874/mo
Today · 4.125%
HK$72,585
baseline
▲ 0.50% · 4.625%
HK$76,411
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,170/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,281
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,592
−HK$2,348/mo
Today · 4.125%
HK$78,940
baseline
▲ 0.50% · 4.625%
HK$83,743
+HK$4,803/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,880/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,637
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,854
−HK$2,248/mo
Today · 4.125%
HK$87,102
baseline
▲ 0.50% · 4.625%
HK$91,693
+HK$4,591/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,204/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,662
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,357
−HK$2,739/mo
Today · 4.125%
HK$92,096
baseline
▲ 0.50% · 4.625%
HK$97,700
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,192/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,410
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$98,996
−HK$2,623/mo
Today · 4.125%
HK$101,619
baseline
▲ 0.50% · 4.625%
HK$106,975
+HK$5,356/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,238/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,422
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,888
−HK$3,521/mo
Today · 4.125%
HK$118,409
baseline
▲ 0.50% · 4.625%
HK$125,614
+HK$7,205/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,818/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,956
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,280
−HK$3,373/mo
Today · 4.125%
HK$130,653
baseline
▲ 0.50% · 4.625%
HK$137,540
+HK$6,887/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,306/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,730 · Scale 2, in force from 26 Feb 2026)