LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,373
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,282
−HK$1,940/mo
Today · 4.125%
HK$65,222
baseline
▲ 0.50% · 4.625%
HK$69,190
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,444/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,108
−HK$1,858/mo
Today · 4.125%
HK$71,966
baseline
▲ 0.50% · 4.625%
HK$75,759
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,932/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,648
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,938
−HK$2,328/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$83,028
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,932
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,130
−HK$2,229/mo
Today · 4.125%
HK$86,359
baseline
▲ 0.50% · 4.625%
HK$90,911
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,718/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,922
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,595
−HK$2,715/mo
Today · 4.125%
HK$91,310
baseline
▲ 0.50% · 4.625%
HK$96,866
+HK$5,556/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,620/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,587
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,151
−HK$2,601/mo
Today · 4.125%
HK$100,752
baseline
▲ 0.50% · 4.625%
HK$106,063
+HK$5,311/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,504/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,471
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,908
−HK$3,491/mo
Today · 4.125%
HK$117,399
baseline
▲ 0.50% · 4.625%
HK$124,542
+HK$7,143/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,798/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,898
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,194
−HK$3,344/mo
Today · 4.125%
HK$129,538
baseline
▲ 0.50% · 4.625%
HK$136,366
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,076/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,885 · Scale 2, in force from 26 Feb 2026)