LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,313
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,220
−HK$1,938/mo
Today · 4.125%
HK$65,158
baseline
▲ 0.50% · 4.625%
HK$69,123
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,316/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,210
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,039
−HK$1,856/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$75,685
+HK$3,790/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,576
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,864
−HK$2,325/mo
Today · 4.125%
HK$78,189
baseline
▲ 0.50% · 4.625%
HK$82,947
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,378/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,852
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,047
−HK$2,227/mo
Today · 4.125%
HK$86,274
baseline
▲ 0.50% · 4.625%
HK$90,822
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,548/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,838
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,508
−HK$2,713/mo
Today · 4.125%
HK$91,221
baseline
▲ 0.50% · 4.625%
HK$96,772
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,442/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,494
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$2,598/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$105,959
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,363
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,796
−HK$3,488/mo
Today · 4.125%
HK$117,284
baseline
▲ 0.50% · 4.625%
HK$124,421
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,568/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,778
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,071
−HK$3,341/mo
Today · 4.125%
HK$129,412
baseline
▲ 0.50% · 4.625%
HK$136,233
+HK$6,821/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,824/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,768 · Scale 2, in force from 26 Feb 2026)