LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,433
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,942/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$1,859/mo
Today · 4.125%
HK$72,036
baseline
▲ 0.50% · 4.625%
HK$75,833
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,072/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,720
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,013
−HK$2,330/mo
Today · 4.125%
HK$78,343
baseline
▲ 0.50% · 4.625%
HK$83,110
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$156,686/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,012
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,212
−HK$2,231/mo
Today · 4.125%
HK$86,443
baseline
▲ 0.50% · 4.625%
HK$91,000
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$172,886/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,006
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,682
−HK$2,718/mo
Today · 4.125%
HK$91,400
baseline
▲ 0.50% · 4.625%
HK$96,961
+HK$5,561/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,800/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,681
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,247
−HK$2,604/mo
Today · 4.125%
HK$100,851
baseline
▲ 0.50% · 4.625%
HK$106,167
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,702/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,580
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,019
−HK$3,495/mo
Today · 4.125%
HK$117,514
baseline
▲ 0.50% · 4.625%
HK$124,664
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,028/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,019
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,318
−HK$3,347/mo
Today · 4.125%
HK$129,665
baseline
▲ 0.50% · 4.625%
HK$136,500
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,330/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,007 · Scale 2, in force from 26 Feb 2026)