LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,402
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,312
−HK$1,941/mo
Today · 4.125%
HK$65,253
baseline
▲ 0.50% · 4.625%
HK$69,223
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,506/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,309
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,141
−HK$1,859/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,682
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,974
−HK$2,329/mo
Today · 4.125%
HK$78,303
baseline
▲ 0.50% · 4.625%
HK$83,068
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,606/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,971
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,169
−HK$2,231/mo
Today · 4.125%
HK$86,400
baseline
▲ 0.50% · 4.625%
HK$90,954
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,800/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,963
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,637
−HK$2,717/mo
Today · 4.125%
HK$91,354
baseline
▲ 0.50% · 4.625%
HK$96,912
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,708/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,633
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,198
−HK$2,602/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,113
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,524
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,962
−HK$3,493/mo
Today · 4.125%
HK$117,455
baseline
▲ 0.50% · 4.625%
HK$124,601
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,910/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,957
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,254
−HK$3,345/mo
Today · 4.125%
HK$129,599
baseline
▲ 0.50% · 4.625%
HK$136,431
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,198/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,428 · Scale 2, in force from 26 Feb 2026)