LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,395
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,304
−HK$1,941/mo
Today · 4.125%
HK$65,245
baseline
▲ 0.50% · 4.625%
HK$69,215
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,490/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,301
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,133
−HK$1,858/mo
Today · 4.125%
HK$71,991
baseline
▲ 0.50% · 4.625%
HK$75,786
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,982/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,674
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,965
−HK$2,329/mo
Today · 4.125%
HK$78,294
baseline
▲ 0.50% · 4.625%
HK$83,058
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,588/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,961
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,159
−HK$2,230/mo
Today · 4.125%
HK$86,389
baseline
▲ 0.50% · 4.625%
HK$90,943
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,778/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,952
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,626
−HK$2,716/mo
Today · 4.125%
HK$91,342
baseline
▲ 0.50% · 4.625%
HK$96,900
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,684/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,621
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,186
−HK$2,601/mo
Today · 4.125%
HK$100,787
baseline
▲ 0.50% · 4.625%
HK$106,100
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,574/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,510
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,948
−HK$3,492/mo
Today · 4.125%
HK$117,440
baseline
▲ 0.50% · 4.625%
HK$124,586
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,880/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,942
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,239
−HK$3,345/mo
Today · 4.125%
HK$129,584
baseline
▲ 0.50% · 4.625%
HK$136,414
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,168/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,289 · Scale 2, in force from 26 Feb 2026)