LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,374
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,283
−HK$1,940/mo
Today · 4.125%
HK$65,223
baseline
▲ 0.50% · 4.625%
HK$69,192
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,446/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,278
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,110
−HK$1,857/mo
Today · 4.125%
HK$71,967
baseline
▲ 0.50% · 4.625%
HK$75,761
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,934/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,649
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,940
−HK$2,328/mo
Today · 4.125%
HK$78,268
baseline
▲ 0.50% · 4.625%
HK$83,030
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,536/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,934
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,131
−HK$2,230/mo
Today · 4.125%
HK$86,361
baseline
▲ 0.50% · 4.625%
HK$90,913
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,722/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,924
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,597
−HK$2,715/mo
Today · 4.125%
HK$91,312
baseline
▲ 0.50% · 4.625%
HK$96,868
+HK$5,556/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,624/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,153
−HK$2,601/mo
Today · 4.125%
HK$100,754
baseline
▲ 0.50% · 4.625%
HK$106,065
+HK$5,311/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,508/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,474
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,910
−HK$3,492/mo
Today · 4.125%
HK$117,402
baseline
▲ 0.50% · 4.625%
HK$124,545
+HK$7,143/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,804/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,901
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,197
−HK$3,344/mo
Today · 4.125%
HK$129,541
baseline
▲ 0.50% · 4.625%
HK$136,369
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,082/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,912 · Scale 2, in force from 26 Feb 2026)