LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,324
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,232
−HK$1,938/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,223
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$1,856/mo
Today · 4.125%
HK$71,908
baseline
▲ 0.50% · 4.625%
HK$75,699
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,816/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,878
−HK$2,326/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,962
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,867
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,063
−HK$2,227/mo
Today · 4.125%
HK$86,290
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$4,549/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,580/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,854
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,524
−HK$2,714/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,789
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,512
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,073
−HK$2,599/mo
Today · 4.125%
HK$100,672
baseline
▲ 0.50% · 4.625%
HK$105,978
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,344/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,384
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,817
−HK$3,489/mo
Today · 4.125%
HK$117,306
baseline
▲ 0.50% · 4.625%
HK$124,443
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,612/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,801
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,094
−HK$3,341/mo
Today · 4.125%
HK$129,435
baseline
▲ 0.50% · 4.625%
HK$136,258
+HK$6,823/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,870/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,977 · Scale 2, in force from 26 Feb 2026)