LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,420
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,331
−HK$1,941/mo
Today · 4.125%
HK$65,272
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,544/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,162
−HK$1,859/mo
Today · 4.125%
HK$72,021
baseline
▲ 0.50% · 4.625%
HK$75,817
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,042/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,704
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,997
−HK$2,329/mo
Today · 4.125%
HK$78,326
baseline
▲ 0.50% · 4.625%
HK$83,092
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,652/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,995
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,194
−HK$2,231/mo
Today · 4.125%
HK$86,425
baseline
▲ 0.50% · 4.625%
HK$90,981
+HK$4,556/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,850/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,988
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,663
−HK$2,718/mo
Today · 4.125%
HK$91,381
baseline
▲ 0.50% · 4.625%
HK$96,941
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,762/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,661
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,227
−HK$2,602/mo
Today · 4.125%
HK$100,829
baseline
▲ 0.50% · 4.625%
HK$106,144
+HK$5,315/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,658/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,556
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,995
−HK$3,494/mo
Today · 4.125%
HK$117,489
baseline
▲ 0.50% · 4.625%
HK$124,638
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,978/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,993
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,291
−HK$3,347/mo
Today · 4.125%
HK$129,638
baseline
▲ 0.50% · 4.625%
HK$136,471
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,276/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,766 · Scale 2, in force from 26 Feb 2026)