LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,432
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,942/mo
Today · 4.125%
HK$65,284
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,568/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,342
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$1,859/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$75,831
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,718
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,011
−HK$2,330/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$83,107
+HK$4,766/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,010
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,210
−HK$2,231/mo
Today · 4.125%
HK$86,441
baseline
▲ 0.50% · 4.625%
HK$90,998
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$172,882/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,004
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,679
−HK$2,718/mo
Today · 4.125%
HK$91,397
baseline
▲ 0.50% · 4.625%
HK$96,959
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,794/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,679
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,245
−HK$2,603/mo
Today · 4.125%
HK$100,848
baseline
▲ 0.50% · 4.625%
HK$106,164
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,696/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,577
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,016
−HK$3,495/mo
Today · 4.125%
HK$117,511
baseline
▲ 0.50% · 4.625%
HK$124,661
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,022/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,016
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,315
−HK$3,347/mo
Today · 4.125%
HK$129,662
baseline
▲ 0.50% · 4.625%
HK$136,496
+HK$6,834/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,324/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,977 · Scale 2, in force from 26 Feb 2026)