LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,390
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,941/mo
Today · 4.125%
HK$65,240
baseline
▲ 0.50% · 4.625%
HK$69,209
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,480/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,296
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$1,858/mo
Today · 4.125%
HK$71,985
baseline
▲ 0.50% · 4.625%
HK$75,780
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,970/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,959
−HK$2,328/mo
Today · 4.125%
HK$78,287
baseline
▲ 0.50% · 4.625%
HK$83,051
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,574/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,955
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,153
−HK$2,229/mo
Today · 4.125%
HK$86,382
baseline
▲ 0.50% · 4.625%
HK$90,936
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,764/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,946
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,619
−HK$2,716/mo
Today · 4.125%
HK$91,335
baseline
▲ 0.50% · 4.625%
HK$96,893
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,670/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,614
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,178
−HK$2,602/mo
Today · 4.125%
HK$100,780
baseline
▲ 0.50% · 4.625%
HK$106,092
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,560/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,502
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,939
−HK$3,492/mo
Today · 4.125%
HK$117,431
baseline
▲ 0.50% · 4.625%
HK$124,577
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,862/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,932
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,229
−HK$3,345/mo
Today · 4.125%
HK$129,574
baseline
▲ 0.50% · 4.625%
HK$136,404
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,148/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,200 · Scale 2, in force from 26 Feb 2026)