LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,446
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,942/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$69,272
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,191
−HK$1,860/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,029
−HK$2,330/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$83,127
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,029
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,229
−HK$2,232/mo
Today · 4.125%
HK$86,461
baseline
▲ 0.50% · 4.625%
HK$91,019
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,922/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,024
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,700
−HK$2,719/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,981
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,701
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,268
−HK$2,603/mo
Today · 4.125%
HK$100,871
baseline
▲ 0.50% · 4.625%
HK$106,189
+HK$5,318/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,742/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,602
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,043
−HK$3,495/mo
Today · 4.125%
HK$117,538
baseline
▲ 0.50% · 4.625%
HK$124,690
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,076/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,044
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,344
−HK$3,348/mo
Today · 4.125%
HK$129,692
baseline
▲ 0.50% · 4.625%
HK$136,528
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,384/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,243 · Scale 2, in force from 26 Feb 2026)