LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,364
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,272
−HK$1,940/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$69,180
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,266
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,097
−HK$1,858/mo
Today · 4.125%
HK$71,955
baseline
▲ 0.50% · 4.625%
HK$75,747
+HK$3,792/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,910/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,636
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,927
−HK$2,327/mo
Today · 4.125%
HK$78,254
baseline
▲ 0.50% · 4.625%
HK$83,015
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$156,508/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,920
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,117
−HK$2,228/mo
Today · 4.125%
HK$86,345
baseline
▲ 0.50% · 4.625%
HK$90,897
+HK$4,552/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$172,690/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,909
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,581
−HK$2,715/mo
Today · 4.125%
HK$91,296
baseline
▲ 0.50% · 4.625%
HK$96,851
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,592/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,573
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,136
−HK$2,600/mo
Today · 4.125%
HK$100,736
baseline
▲ 0.50% · 4.625%
HK$106,046
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,472/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,454
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,890
−HK$3,491/mo
Today · 4.125%
HK$117,381
baseline
▲ 0.50% · 4.625%
HK$124,523
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,762/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,879
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,175
−HK$3,343/mo
Today · 4.125%
HK$129,518
baseline
▲ 0.50% · 4.625%
HK$136,345
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,036/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,710 · Scale 2, in force from 26 Feb 2026)