LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,358
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,266
−HK$1,940/mo
Today · 4.125%
HK$65,206
baseline
▲ 0.50% · 4.625%
HK$69,173
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,412/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,260
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,091
−HK$1,857/mo
Today · 4.125%
HK$71,948
baseline
▲ 0.50% · 4.625%
HK$75,740
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,896/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,629
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,920
−HK$2,327/mo
Today · 4.125%
HK$78,247
baseline
▲ 0.50% · 4.625%
HK$83,008
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,494/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,912
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,109
−HK$2,228/mo
Today · 4.125%
HK$86,337
baseline
▲ 0.50% · 4.625%
HK$90,888
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,674/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,901
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,573
−HK$2,715/mo
Today · 4.125%
HK$91,288
baseline
▲ 0.50% · 4.625%
HK$96,842
+HK$5,554/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,576/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,564
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,127
−HK$2,600/mo
Today · 4.125%
HK$100,727
baseline
▲ 0.50% · 4.625%
HK$106,037
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,454/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,880
−HK$3,490/mo
Today · 4.125%
HK$117,370
baseline
▲ 0.50% · 4.625%
HK$124,512
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,740/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,868
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,163
−HK$3,343/mo
Today · 4.125%
HK$129,506
baseline
▲ 0.50% · 4.625%
HK$136,333
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,012/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,604 · Scale 2, in force from 26 Feb 2026)