LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,427
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,338
−HK$1,941/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$69,251
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,170
−HK$1,859/mo
Today · 4.125%
HK$72,029
baseline
▲ 0.50% · 4.625%
HK$75,826
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,058/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,712
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,005
−HK$2,330/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$83,101
+HK$4,766/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,004
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,204
−HK$2,231/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$90,991
+HK$4,556/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,998
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,673
−HK$2,718/mo
Today · 4.125%
HK$91,391
baseline
▲ 0.50% · 4.625%
HK$96,952
+HK$5,561/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,782/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,672
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,238
−HK$2,603/mo
Today · 4.125%
HK$100,841
baseline
▲ 0.50% · 4.625%
HK$106,156
+HK$5,315/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,682/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,569
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$114,008
−HK$3,494/mo
Today · 4.125%
HK$117,502
baseline
▲ 0.50% · 4.625%
HK$124,652
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$235,004/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,007
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,306
−HK$3,346/mo
Today · 4.125%
HK$129,652
baseline
▲ 0.50% · 4.625%
HK$136,486
+HK$6,834/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,304/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,894 · Scale 2, in force from 26 Feb 2026)