LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,413
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,323
−HK$1,941/mo
Today · 4.125%
HK$65,264
baseline
▲ 0.50% · 4.625%
HK$69,235
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,528/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,321
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,153
−HK$1,859/mo
Today · 4.125%
HK$72,012
baseline
▲ 0.50% · 4.625%
HK$75,808
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,024/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,695
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,329/mo
Today · 4.125%
HK$78,317
baseline
▲ 0.50% · 4.625%
HK$83,082
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,634/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,985
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,184
−HK$2,231/mo
Today · 4.125%
HK$86,415
baseline
▲ 0.50% · 4.625%
HK$90,970
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,830/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,978
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,652
−HK$2,717/mo
Today · 4.125%
HK$91,369
baseline
▲ 0.50% · 4.625%
HK$96,929
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,738/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,649
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,215
−HK$2,602/mo
Today · 4.125%
HK$100,817
baseline
▲ 0.50% · 4.625%
HK$106,131
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,634/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,543
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,981
−HK$3,494/mo
Today · 4.125%
HK$117,475
baseline
▲ 0.50% · 4.625%
HK$124,623
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,950/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,978
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,276
−HK$3,346/mo
Today · 4.125%
HK$129,622
baseline
▲ 0.50% · 4.625%
HK$136,455
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,244/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,626 · Scale 2, in force from 26 Feb 2026)