LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,394
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,303
−HK$1,941/mo
Today · 4.125%
HK$65,244
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,488/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,300
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,132
−HK$1,858/mo
Today · 4.125%
HK$71,990
baseline
▲ 0.50% · 4.625%
HK$75,784
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,980/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,672
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,964
−HK$2,328/mo
Today · 4.125%
HK$78,292
baseline
▲ 0.50% · 4.625%
HK$83,056
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,584/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,960
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,158
−HK$2,230/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$90,941
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,951
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,625
−HK$2,716/mo
Today · 4.125%
HK$91,341
baseline
▲ 0.50% · 4.625%
HK$96,899
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,682/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,620
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,184
−HK$2,602/mo
Today · 4.125%
HK$100,786
baseline
▲ 0.50% · 4.625%
HK$106,098
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,572/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,509
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,946
−HK$3,492/mo
Today · 4.125%
HK$117,438
baseline
▲ 0.50% · 4.625%
HK$124,584
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,876/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,940
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,237
−HK$3,345/mo
Today · 4.125%
HK$129,582
baseline
▲ 0.50% · 4.625%
HK$136,412
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,164/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,270 · Scale 2, in force from 26 Feb 2026)