LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,434
−HK$3,852/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$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$1,860/mo
Today · 4.125%
HK$72,037
baseline
▲ 0.50% · 4.625%
HK$75,834
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,074/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,014 · 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$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,013
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,213
−HK$2,231/mo
Today · 4.125%
HK$86,444
baseline
▲ 0.50% · 4.625%
HK$91,000
+HK$4,556/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$172,888/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,007
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,682
−HK$2,718/mo
Today · 4.125%
HK$91,400
baseline
▲ 0.50% · 4.625%
HK$96,962
+HK$5,562/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$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,682
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,248
−HK$2,603/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$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,580
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,020
−HK$3,495/mo
Today · 4.125%
HK$117,515
baseline
▲ 0.50% · 4.625%
HK$124,665
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,030/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,019
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,319
−HK$3,347/mo
Today · 4.125%
HK$129,666
baseline
▲ 0.50% · 4.625%
HK$136,501
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,332/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,014 · Scale 2, in force from 26 Feb 2026)