LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,436
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,942/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$69,262
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,347
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,180
−HK$1,860/mo
Today · 4.125%
HK$72,040
baseline
▲ 0.50% · 4.625%
HK$75,837
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,080/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,724
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,017
−HK$2,330/mo
Today · 4.125%
HK$78,347
baseline
▲ 0.50% · 4.625%
HK$83,114
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,694/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,017
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,216
−HK$2,232/mo
Today · 4.125%
HK$86,448
baseline
▲ 0.50% · 4.625%
HK$91,005
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,896/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,686
−HK$2,719/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,966
+HK$5,561/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,686
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,253
−HK$2,603/mo
Today · 4.125%
HK$100,856
baseline
▲ 0.50% · 4.625%
HK$106,172
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,712/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,585
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,025
−HK$3,495/mo
Today · 4.125%
HK$117,520
baseline
▲ 0.50% · 4.625%
HK$124,671
+HK$7,151/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,040/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,025
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,325
−HK$3,347/mo
Today · 4.125%
HK$129,672
baseline
▲ 0.50% · 4.625%
HK$136,507
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,344/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,067 · Scale 2, in force from 26 Feb 2026)