LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,384
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,293
−HK$1,940/mo
Today · 4.125%
HK$65,233
baseline
▲ 0.50% · 4.625%
HK$69,203
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,466/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,289
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,121
−HK$1,858/mo
Today · 4.125%
HK$71,979
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,958/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,661
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,952
−HK$2,328/mo
Today · 4.125%
HK$78,280
baseline
▲ 0.50% · 4.625%
HK$83,043
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,560/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,947
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,145
−HK$2,229/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$90,927
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,938
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,611
−HK$2,716/mo
Today · 4.125%
HK$91,327
baseline
▲ 0.50% · 4.625%
HK$96,884
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,654/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,605
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,169
−HK$2,601/mo
Today · 4.125%
HK$100,770
baseline
▲ 0.50% · 4.625%
HK$106,082
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,540/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,491
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,928
−HK$3,492/mo
Today · 4.125%
HK$117,420
baseline
▲ 0.50% · 4.625%
HK$124,565
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,840/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,921
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,217
−HK$3,345/mo
Today · 4.125%
HK$129,562
baseline
▲ 0.50% · 4.625%
HK$136,391
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,124/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,093 · Scale 2, in force from 26 Feb 2026)