LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,906
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,832
−HK$1,956/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,870
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,717
−HK$1,874/mo
Today · 4.125%
HK$72,591
baseline
▲ 0.50% · 4.625%
HK$76,417
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,182/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,288
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,598
−HK$2,348/mo
Today · 4.125%
HK$78,946
baseline
▲ 0.50% · 4.625%
HK$83,750
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,892/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,644
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,861
−HK$2,248/mo
Today · 4.125%
HK$87,109
baseline
▲ 0.50% · 4.625%
HK$91,701
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,218/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,669
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,365
−HK$2,739/mo
Today · 4.125%
HK$92,104
baseline
▲ 0.50% · 4.625%
HK$97,708
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,208/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,418
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,004
−HK$2,623/mo
Today · 4.125%
HK$101,627
baseline
▲ 0.50% · 4.625%
HK$106,984
+HK$5,357/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,254/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,431
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,897
−HK$3,522/mo
Today · 4.125%
HK$118,419
baseline
▲ 0.50% · 4.625%
HK$125,624
+HK$7,205/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,838/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,966
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,291
−HK$3,373/mo
Today · 4.125%
HK$130,664
baseline
▲ 0.50% · 4.625%
HK$137,551
+HK$6,887/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,328/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,825 · Scale 2, in force from 26 Feb 2026)