LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,419
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,941/mo
Today · 4.125%
HK$65,271
baseline
▲ 0.50% · 4.625%
HK$69,242
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,542/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,328
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,161
−HK$1,859/mo
Today · 4.125%
HK$72,020
baseline
▲ 0.50% · 4.625%
HK$75,816
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,040/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,703
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,996
−HK$2,329/mo
Today · 4.125%
HK$78,325
baseline
▲ 0.50% · 4.625%
HK$83,091
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,650/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,994
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,193
−HK$2,231/mo
Today · 4.125%
HK$86,424
baseline
▲ 0.50% · 4.625%
HK$90,979
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,848/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,987
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,661
−HK$2,718/mo
Today · 4.125%
HK$91,379
baseline
▲ 0.50% · 4.625%
HK$96,939
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,758/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,659
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,225
−HK$2,603/mo
Today · 4.125%
HK$100,828
baseline
▲ 0.50% · 4.625%
HK$106,142
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,656/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,554
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,993
−HK$3,494/mo
Today · 4.125%
HK$117,487
baseline
▲ 0.50% · 4.625%
HK$124,636
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,974/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,991
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,289
−HK$3,346/mo
Today · 4.125%
HK$129,635
baseline
▲ 0.50% · 4.625%
HK$136,469
+HK$6,834/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,270/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,745 · Scale 2, in force from 26 Feb 2026)