LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,380
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,289
−HK$1,940/mo
Today · 4.125%
HK$65,229
baseline
▲ 0.50% · 4.625%
HK$69,198
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,458/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,284
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,116
−HK$1,857/mo
Today · 4.125%
HK$71,973
baseline
▲ 0.50% · 4.625%
HK$75,767
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,946/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,656
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,947
−HK$2,327/mo
Today · 4.125%
HK$78,274
baseline
▲ 0.50% · 4.625%
HK$83,037
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,548/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,941
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,139
−HK$2,229/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$90,921
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,931
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,604
−HK$2,716/mo
Today · 4.125%
HK$91,320
baseline
▲ 0.50% · 4.625%
HK$96,877
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,640/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,598
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,162
−HK$2,601/mo
Today · 4.125%
HK$100,763
baseline
▲ 0.50% · 4.625%
HK$106,074
+HK$5,311/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,526/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,483
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,920
−HK$3,492/mo
Today · 4.125%
HK$117,412
baseline
▲ 0.50% · 4.625%
HK$124,556
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,824/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,912
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,208
−HK$3,344/mo
Today · 4.125%
HK$129,552
baseline
▲ 0.50% · 4.625%
HK$136,381
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,104/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,009 · Scale 2, in force from 26 Feb 2026)