LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,912
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,837
−HK$1,957/mo
Today · 4.125%
HK$65,794
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,588/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,876
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,723
−HK$1,874/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$76,424
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,294
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,605
−HK$2,348/mo
Today · 4.125%
HK$78,953
baseline
▲ 0.50% · 4.625%
HK$83,757
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,906/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,651
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,868
−HK$2,249/mo
Today · 4.125%
HK$87,117
baseline
▲ 0.50% · 4.625%
HK$91,709
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,234/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,676
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,372
−HK$2,740/mo
Today · 4.125%
HK$92,112
baseline
▲ 0.50% · 4.625%
HK$97,717
+HK$5,605/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,224/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,427
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,013
−HK$2,623/mo
Today · 4.125%
HK$101,636
baseline
▲ 0.50% · 4.625%
HK$106,994
+HK$5,358/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,272/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,441
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,907
−HK$3,522/mo
Today · 4.125%
HK$118,429
baseline
▲ 0.50% · 4.625%
HK$125,636
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,858/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,977
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,302
−HK$3,373/mo
Today · 4.125%
HK$130,675
baseline
▲ 0.50% · 4.625%
HK$137,563
+HK$6,888/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,350/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,926 · Scale 2, in force from 26 Feb 2026)