LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,411
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,321
−HK$1,941/mo
Today · 4.125%
HK$65,262
baseline
▲ 0.50% · 4.625%
HK$69,233
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,524/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,151
−HK$1,859/mo
Today · 4.125%
HK$72,010
baseline
▲ 0.50% · 4.625%
HK$75,805
+HK$3,795/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,020/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,693
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,985
−HK$2,329/mo
Today · 4.125%
HK$78,314
baseline
▲ 0.50% · 4.625%
HK$83,079
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,628/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,982
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,181
−HK$2,231/mo
Today · 4.125%
HK$86,412
baseline
▲ 0.50% · 4.625%
HK$90,966
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,824/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,975
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,649
−HK$2,717/mo
Today · 4.125%
HK$91,366
baseline
▲ 0.50% · 4.625%
HK$96,926
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,732/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,646
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,211
−HK$2,603/mo
Today · 4.125%
HK$100,814
baseline
▲ 0.50% · 4.625%
HK$106,128
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,628/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,539
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,977
−HK$3,494/mo
Today · 4.125%
HK$117,471
baseline
▲ 0.50% · 4.625%
HK$124,619
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,942/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,974
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,272
−HK$3,345/mo
Today · 4.125%
HK$129,617
baseline
▲ 0.50% · 4.625%
HK$136,450
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,234/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,586 · Scale 2, in force from 26 Feb 2026)