LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,356
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,265
−HK$1,939/mo
Today · 4.125%
HK$65,204
baseline
▲ 0.50% · 4.625%
HK$69,171
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,408/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,258
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,089
−HK$1,857/mo
Today · 4.125%
HK$71,946
baseline
▲ 0.50% · 4.625%
HK$75,738
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,892/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,628
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,327/mo
Today · 4.125%
HK$78,245
baseline
▲ 0.50% · 4.625%
HK$83,006
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,490/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,910
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,107
−HK$2,228/mo
Today · 4.125%
HK$86,335
baseline
▲ 0.50% · 4.625%
HK$90,886
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,670/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,899
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,571
−HK$2,714/mo
Today · 4.125%
HK$91,285
baseline
▲ 0.50% · 4.625%
HK$96,840
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,570/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,562
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,125
−HK$2,600/mo
Today · 4.125%
HK$100,725
baseline
▲ 0.50% · 4.625%
HK$106,034
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,450/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,441
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,877
−HK$3,490/mo
Today · 4.125%
HK$117,367
baseline
▲ 0.50% · 4.625%
HK$124,509
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,734/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,865
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,160
−HK$3,343/mo
Today · 4.125%
HK$129,503
baseline
▲ 0.50% · 4.625%
HK$136,329
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,006/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,575 · Scale 2, in force from 26 Feb 2026)