LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,397
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,307
−HK$1,940/mo
Today · 4.125%
HK$65,247
baseline
▲ 0.50% · 4.625%
HK$69,218
+HK$3,971/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,494/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,304
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,136
−HK$1,858/mo
Today · 4.125%
HK$71,994
baseline
▲ 0.50% · 4.625%
HK$75,789
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,988/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,677
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,328/mo
Today · 4.125%
HK$78,297
baseline
▲ 0.50% · 4.625%
HK$83,061
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,594/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,163
−HK$2,230/mo
Today · 4.125%
HK$86,393
baseline
▲ 0.50% · 4.625%
HK$90,947
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,786/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,956
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,630
−HK$2,716/mo
Today · 4.125%
HK$91,346
baseline
▲ 0.50% · 4.625%
HK$96,905
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,692/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,625
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,190
−HK$2,602/mo
Today · 4.125%
HK$100,792
baseline
▲ 0.50% · 4.625%
HK$106,105
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,584/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,515
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,492/mo
Today · 4.125%
HK$117,445
baseline
▲ 0.50% · 4.625%
HK$124,592
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,890/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,947
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,244
−HK$3,345/mo
Today · 4.125%
HK$129,589
baseline
▲ 0.50% · 4.625%
HK$136,420
+HK$6,831/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,178/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,339 · Scale 2, in force from 26 Feb 2026)