LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,383
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,940/mo
Today · 4.125%
HK$65,232
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,464/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$1,858/mo
Today · 4.125%
HK$71,977
baseline
▲ 0.50% · 4.625%
HK$75,771
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,954/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,659
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,950
−HK$2,328/mo
Today · 4.125%
HK$78,278
baseline
▲ 0.50% · 4.625%
HK$83,041
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,556/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,945
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,143
−HK$2,229/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$90,925
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,936
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,609
−HK$2,716/mo
Today · 4.125%
HK$91,325
baseline
▲ 0.50% · 4.625%
HK$96,881
+HK$5,556/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,650/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,602
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,166
−HK$2,602/mo
Today · 4.125%
HK$100,768
baseline
▲ 0.50% · 4.625%
HK$106,079
+HK$5,311/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,536/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,489
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,925
−HK$3,492/mo
Today · 4.125%
HK$117,417
baseline
▲ 0.50% · 4.625%
HK$124,562
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,834/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,917
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,214
−HK$3,344/mo
Today · 4.125%
HK$129,558
baseline
▲ 0.50% · 4.625%
HK$136,388
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,116/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,064 · Scale 2, in force from 26 Feb 2026)