LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,386
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,296
−HK$1,940/mo
Today · 4.125%
HK$65,236
baseline
▲ 0.50% · 4.625%
HK$69,205
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,472/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,292
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,123
−HK$1,858/mo
Today · 4.125%
HK$71,981
baseline
▲ 0.50% · 4.625%
HK$75,776
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,962/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,664
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,955
−HK$2,328/mo
Today · 4.125%
HK$78,283
baseline
▲ 0.50% · 4.625%
HK$83,046
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,566/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,950
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,148
−HK$2,230/mo
Today · 4.125%
HK$86,378
baseline
▲ 0.50% · 4.625%
HK$90,931
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,756/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,941
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,614
−HK$2,716/mo
Today · 4.125%
HK$91,330
baseline
▲ 0.50% · 4.625%
HK$96,888
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,660/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,609
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,173
−HK$2,601/mo
Today · 4.125%
HK$100,774
baseline
▲ 0.50% · 4.625%
HK$106,086
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,548/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,496
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,933
−HK$3,492/mo
Today · 4.125%
HK$117,425
baseline
▲ 0.50% · 4.625%
HK$124,570
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,850/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,925
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,222
−HK$3,345/mo
Today · 4.125%
HK$129,567
baseline
▲ 0.50% · 4.625%
HK$136,396
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,134/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,137 · Scale 2, in force from 26 Feb 2026)