LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,410
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,320
−HK$1,941/mo
Today · 4.125%
HK$65,261
baseline
▲ 0.50% · 4.625%
HK$69,232
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,522/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,150
−HK$1,859/mo
Today · 4.125%
HK$72,009
baseline
▲ 0.50% · 4.625%
HK$75,805
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,018/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,692
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,984
−HK$2,329/mo
Today · 4.125%
HK$78,313
baseline
▲ 0.50% · 4.625%
HK$83,078
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,626/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,982
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,180
−HK$2,231/mo
Today · 4.125%
HK$86,411
baseline
▲ 0.50% · 4.625%
HK$90,966
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,822/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,974
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,648
−HK$2,717/mo
Today · 4.125%
HK$91,365
baseline
▲ 0.50% · 4.625%
HK$96,925
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,730/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,645
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,210
−HK$2,603/mo
Today · 4.125%
HK$100,813
baseline
▲ 0.50% · 4.625%
HK$106,127
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,626/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,538
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,976
−HK$3,494/mo
Today · 4.125%
HK$117,470
baseline
▲ 0.50% · 4.625%
HK$124,618
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,940/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,972
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,271
−HK$3,345/mo
Today · 4.125%
HK$129,616
baseline
▲ 0.50% · 4.625%
HK$136,449
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,232/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,576 · Scale 2, in force from 26 Feb 2026)