LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,377
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,286
−HK$1,940/mo
Today · 4.125%
HK$65,226
baseline
▲ 0.50% · 4.625%
HK$69,195
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,452/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,282
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,113
−HK$1,858/mo
Today · 4.125%
HK$71,971
baseline
▲ 0.50% · 4.625%
HK$75,764
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,942/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,653
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,944
−HK$2,327/mo
Today · 4.125%
HK$78,271
baseline
▲ 0.50% · 4.625%
HK$83,034
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,542/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,938
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,135
−HK$2,230/mo
Today · 4.125%
HK$86,365
baseline
▲ 0.50% · 4.625%
HK$90,917
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,730/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,928
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,601
−HK$2,716/mo
Today · 4.125%
HK$91,317
baseline
▲ 0.50% · 4.625%
HK$96,873
+HK$5,556/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,634/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,594
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,158
−HK$2,601/mo
Today · 4.125%
HK$100,759
baseline
▲ 0.50% · 4.625%
HK$106,070
+HK$5,311/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,518/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,479
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,916
−HK$3,491/mo
Today · 4.125%
HK$117,407
baseline
▲ 0.50% · 4.625%
HK$124,551
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,814/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,907
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,203
−HK$3,344/mo
Today · 4.125%
HK$129,547
baseline
▲ 0.50% · 4.625%
HK$136,376
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,094/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,966 · Scale 2, in force from 26 Feb 2026)