LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,312
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,219
−HK$1,937/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$69,121
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,209
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,038
−HK$1,856/mo
Today · 4.125%
HK$71,894
baseline
▲ 0.50% · 4.625%
HK$75,683
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,788/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,574
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,863
−HK$2,325/mo
Today · 4.125%
HK$78,188
baseline
▲ 0.50% · 4.625%
HK$82,945
+HK$4,757/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,376/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,850
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,046
−HK$2,227/mo
Today · 4.125%
HK$86,273
baseline
▲ 0.50% · 4.625%
HK$90,820
+HK$4,547/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,546/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,836
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,506
−HK$2,713/mo
Today · 4.125%
HK$91,219
baseline
▲ 0.50% · 4.625%
HK$96,770
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,438/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,492
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,053
−HK$2,598/mo
Today · 4.125%
HK$100,651
baseline
▲ 0.50% · 4.625%
HK$105,957
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,302/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,361
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,794
−HK$3,488/mo
Today · 4.125%
HK$117,282
baseline
▲ 0.50% · 4.625%
HK$124,418
+HK$7,136/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,564/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,776
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,068
−HK$3,341/mo
Today · 4.125%
HK$129,409
baseline
▲ 0.50% · 4.625%
HK$136,230
+HK$6,821/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,818/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,744 · Scale 2, in force from 26 Feb 2026)