LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,367
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,275
−HK$1,940/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$69,183
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,270
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$1,857/mo
Today · 4.125%
HK$71,958
baseline
▲ 0.50% · 4.625%
HK$75,751
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,916/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,640
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,931
−HK$2,327/mo
Today · 4.125%
HK$78,258
baseline
▲ 0.50% · 4.625%
HK$83,020
+HK$4,762/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$156,516/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,924
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,121
−HK$2,229/mo
Today · 4.125%
HK$86,350
baseline
▲ 0.50% · 4.625%
HK$90,901
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$172,700/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,913
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,586
−HK$2,715/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,856
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,578
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,141
−HK$2,600/mo
Today · 4.125%
HK$100,741
baseline
▲ 0.50% · 4.625%
HK$106,052
+HK$5,311/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,482/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,460
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,896
−HK$3,491/mo
Today · 4.125%
HK$117,387
baseline
▲ 0.50% · 4.625%
HK$124,529
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,774/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,886
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,181
−HK$3,344/mo
Today · 4.125%
HK$129,525
baseline
▲ 0.50% · 4.625%
HK$136,352
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,050/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,767 · Scale 2, in force from 26 Feb 2026)