LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,436
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,941/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,860/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,723
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,016
−HK$2,330/mo
Today · 4.125%
HK$78,346
baseline
▲ 0.50% · 4.625%
HK$83,113
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,692/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,016
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,215
−HK$2,232/mo
Today · 4.125%
HK$86,447
baseline
▲ 0.50% · 4.625%
HK$91,004
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,894/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,010
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,685
−HK$2,718/mo
Today · 4.125%
HK$91,403
baseline
▲ 0.50% · 4.625%
HK$96,965
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,806/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,685
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,251
−HK$2,604/mo
Today · 4.125%
HK$100,855
baseline
▲ 0.50% · 4.625%
HK$106,171
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,710/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,584
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,024
−HK$3,495/mo
Today · 4.125%
HK$117,519
baseline
▲ 0.50% · 4.625%
HK$124,669
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,038/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,024
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,323
−HK$3,347/mo
Today · 4.125%
HK$129,670
baseline
▲ 0.50% · 4.625%
HK$136,505
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,340/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,053 · Scale 2, in force from 26 Feb 2026)