LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,391
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,940/mo
Today · 4.125%
HK$65,241
baseline
▲ 0.50% · 4.625%
HK$69,211
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,482/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,297
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,129
−HK$1,858/mo
Today · 4.125%
HK$71,987
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,974/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,670
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,961
−HK$2,328/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$83,053
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,957
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,155
−HK$2,230/mo
Today · 4.125%
HK$86,385
baseline
▲ 0.50% · 4.625%
HK$90,938
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,770/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,948
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,621
−HK$2,717/mo
Today · 4.125%
HK$91,338
baseline
▲ 0.50% · 4.625%
HK$96,895
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,676/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,616
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,181
−HK$2,601/mo
Today · 4.125%
HK$100,782
baseline
▲ 0.50% · 4.625%
HK$106,094
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,564/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,505
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,942
−HK$3,492/mo
Today · 4.125%
HK$117,434
baseline
▲ 0.50% · 4.625%
HK$124,580
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,868/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,935
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,232
−HK$3,345/mo
Today · 4.125%
HK$129,577
baseline
▲ 0.50% · 4.625%
HK$136,407
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,154/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,229 · Scale 2, in force from 26 Feb 2026)