LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,479
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,943/mo
Today · 4.125%
HK$65,334
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,668/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,395
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,229
−HK$1,861/mo
Today · 4.125%
HK$72,090
baseline
▲ 0.50% · 4.625%
HK$75,890
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,180/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,775
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,070
−HK$2,331/mo
Today · 4.125%
HK$78,401
baseline
▲ 0.50% · 4.625%
HK$83,172
+HK$4,771/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,802/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,074
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,275
−HK$2,233/mo
Today · 4.125%
HK$86,508
baseline
▲ 0.50% · 4.625%
HK$91,068
+HK$4,560/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,016/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,071
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,748
−HK$2,720/mo
Today · 4.125%
HK$91,468
baseline
▲ 0.50% · 4.625%
HK$97,034
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,936/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,753
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,321
−HK$2,605/mo
Today · 4.125%
HK$100,926
baseline
▲ 0.50% · 4.625%
HK$106,246
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,852/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,662
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,104
−HK$3,498/mo
Today · 4.125%
HK$117,602
baseline
▲ 0.50% · 4.625%
HK$124,758
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,204/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,111
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,412
−HK$3,350/mo
Today · 4.125%
HK$129,762
baseline
▲ 0.50% · 4.625%
HK$136,602
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,524/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,862 · Scale 2, in force from 26 Feb 2026)