LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,481
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,393
−HK$1,943/mo
Today · 4.125%
HK$65,336
baseline
▲ 0.50% · 4.625%
HK$69,312
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,672/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,397
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,231
−HK$1,861/mo
Today · 4.125%
HK$72,092
baseline
▲ 0.50% · 4.625%
HK$75,892
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,184/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,777
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,072
−HK$2,331/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$83,174
+HK$4,771/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,076
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,277
−HK$2,233/mo
Today · 4.125%
HK$86,510
baseline
▲ 0.50% · 4.625%
HK$91,070
+HK$4,560/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,020/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,073
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,750
−HK$2,721/mo
Today · 4.125%
HK$91,471
baseline
▲ 0.50% · 4.625%
HK$97,036
+HK$5,565/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,942/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,755
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,323
−HK$2,606/mo
Today · 4.125%
HK$100,929
baseline
▲ 0.50% · 4.625%
HK$106,249
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,858/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,665
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,108
−HK$3,497/mo
Today · 4.125%
HK$117,605
baseline
▲ 0.50% · 4.625%
HK$124,761
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,210/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,114
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,416
−HK$3,349/mo
Today · 4.125%
HK$129,765
baseline
▲ 0.50% · 4.625%
HK$136,606
+HK$6,841/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,530/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,894 · Scale 2, in force from 26 Feb 2026)