LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,478
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,390
−HK$1,943/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,666/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,394
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,228
−HK$1,861/mo
Today · 4.125%
HK$72,089
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,178/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,774
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,068
−HK$2,332/mo
Today · 4.125%
HK$78,400
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,770/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,800/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,072
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,274
−HK$2,233/mo
Today · 4.125%
HK$86,507
baseline
▲ 0.50% · 4.625%
HK$91,066
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,014/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,069
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,747
−HK$2,720/mo
Today · 4.125%
HK$91,467
baseline
▲ 0.50% · 4.625%
HK$97,032
+HK$5,565/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,934/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,751
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,319
−HK$2,605/mo
Today · 4.125%
HK$100,924
baseline
▲ 0.50% · 4.625%
HK$106,244
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,848/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,661
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,103
−HK$3,497/mo
Today · 4.125%
HK$117,600
baseline
▲ 0.50% · 4.625%
HK$124,756
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,200/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,109
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,410
−HK$3,350/mo
Today · 4.125%
HK$129,760
baseline
▲ 0.50% · 4.625%
HK$136,600
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,520/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,844 · Scale 2, in force from 26 Feb 2026)