LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,400
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,310
−HK$1,940/mo
Today · 4.125%
HK$65,250
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,500/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,307
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,139
−HK$1,858/mo
Today · 4.125%
HK$71,997
baseline
▲ 0.50% · 4.625%
HK$75,792
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,994/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,680
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,972
−HK$2,328/mo
Today · 4.125%
HK$78,300
baseline
▲ 0.50% · 4.625%
HK$83,064
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,600/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,968
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,166
−HK$2,230/mo
Today · 4.125%
HK$86,396
baseline
▲ 0.50% · 4.625%
HK$90,950
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,792/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,960
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,633
−HK$2,717/mo
Today · 4.125%
HK$91,350
baseline
▲ 0.50% · 4.625%
HK$96,908
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,700/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,629
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,194
−HK$2,602/mo
Today · 4.125%
HK$100,796
baseline
▲ 0.50% · 4.625%
HK$106,109
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,592/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,519
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,957
−HK$3,493/mo
Today · 4.125%
HK$117,450
baseline
▲ 0.50% · 4.625%
HK$124,597
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,900/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,952
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,249
−HK$3,346/mo
Today · 4.125%
HK$129,595
baseline
▲ 0.50% · 4.625%
HK$136,426
+HK$6,831/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,190/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,384 · Scale 2, in force from 26 Feb 2026)