LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,345
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,939/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$69,158
+HK$3,966/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,245
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$1,856/mo
Today · 4.125%
HK$71,932
baseline
▲ 0.50% · 4.625%
HK$75,724
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,864/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,614
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,327/mo
Today · 4.125%
HK$78,230
baseline
▲ 0.50% · 4.625%
HK$82,990
+HK$4,760/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,460/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,228/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$90,869
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,883
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,554
−HK$2,714/mo
Today · 4.125%
HK$91,268
baseline
▲ 0.50% · 4.625%
HK$96,822
+HK$5,554/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,536/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,544
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,106
−HK$2,599/mo
Today · 4.125%
HK$100,705
baseline
▲ 0.50% · 4.625%
HK$106,014
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,410/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,420
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,855
−HK$3,490/mo
Today · 4.125%
HK$117,345
baseline
▲ 0.50% · 4.625%
HK$124,485
+HK$7,140/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,690/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,842
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,136
−HK$3,342/mo
Today · 4.125%
HK$129,478
baseline
▲ 0.50% · 4.625%
HK$136,303
+HK$6,825/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,956/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,359 · Scale 2, in force from 26 Feb 2026)