LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,343
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,938/mo
Today · 4.125%
HK$65,189
baseline
▲ 0.50% · 4.625%
HK$69,156
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,378/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,243
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$1,857/mo
Today · 4.125%
HK$71,930
baseline
▲ 0.50% · 4.625%
HK$75,722
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,860/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,611
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,901
−HK$2,326/mo
Today · 4.125%
HK$78,227
baseline
▲ 0.50% · 4.625%
HK$82,987
+HK$4,760/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,454/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,892
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,088
−HK$2,228/mo
Today · 4.125%
HK$86,316
baseline
▲ 0.50% · 4.625%
HK$90,866
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,632/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,880
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,551
−HK$2,714/mo
Today · 4.125%
HK$91,265
baseline
▲ 0.50% · 4.625%
HK$96,818
+HK$5,553/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,530/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,540
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,103
−HK$2,599/mo
Today · 4.125%
HK$100,702
baseline
▲ 0.50% · 4.625%
HK$106,010
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,404/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,417
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,851
−HK$3,490/mo
Today · 4.125%
HK$117,341
baseline
▲ 0.50% · 4.625%
HK$124,481
+HK$7,140/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,682/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,838
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,132
−HK$3,342/mo
Today · 4.125%
HK$129,474
baseline
▲ 0.50% · 4.625%
HK$136,299
+HK$6,825/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,948/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,320 · Scale 2, in force from 26 Feb 2026)