LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,369
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,278
−HK$1,940/mo
Today · 4.125%
HK$65,218
baseline
▲ 0.50% · 4.625%
HK$69,186
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,436/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,273
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,104
−HK$1,857/mo
Today · 4.125%
HK$71,961
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,922/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,934
−HK$2,327/mo
Today · 4.125%
HK$78,261
baseline
▲ 0.50% · 4.625%
HK$83,023
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,522/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,927
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,124
−HK$2,229/mo
Today · 4.125%
HK$86,353
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,706/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,917
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,589
−HK$2,716/mo
Today · 4.125%
HK$91,305
baseline
▲ 0.50% · 4.625%
HK$96,860
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,610/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,582
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,145
−HK$2,601/mo
Today · 4.125%
HK$100,746
baseline
▲ 0.50% · 4.625%
HK$106,056
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,492/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,465
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,901
−HK$3,491/mo
Today · 4.125%
HK$117,392
baseline
▲ 0.50% · 4.625%
HK$124,535
+HK$7,143/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,784/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,891
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,187
−HK$3,343/mo
Today · 4.125%
HK$129,530
baseline
▲ 0.50% · 4.625%
HK$136,358
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,060/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,816 · Scale 2, in force from 26 Feb 2026)