LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,483
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,396
−HK$1,943/mo
Today · 4.125%
HK$65,339
baseline
▲ 0.50% · 4.625%
HK$69,315
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,678/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,400
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,234
−HK$1,861/mo
Today · 4.125%
HK$72,095
baseline
▲ 0.50% · 4.625%
HK$75,895
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,190/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,780
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,332/mo
Today · 4.125%
HK$78,407
baseline
▲ 0.50% · 4.625%
HK$83,178
+HK$4,771/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,814/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,080
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,281
−HK$2,233/mo
Today · 4.125%
HK$86,514
baseline
▲ 0.50% · 4.625%
HK$91,074
+HK$4,560/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,028/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,077
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,754
−HK$2,720/mo
Today · 4.125%
HK$91,474
baseline
▲ 0.50% · 4.625%
HK$97,040
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,948/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,759
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,328
−HK$2,605/mo
Today · 4.125%
HK$100,933
baseline
▲ 0.50% · 4.625%
HK$106,253
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,866/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,670
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,113
−HK$3,497/mo
Today · 4.125%
HK$117,610
baseline
▲ 0.50% · 4.625%
HK$124,766
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,220/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,119
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,421
−HK$3,350/mo
Today · 4.125%
HK$129,771
baseline
▲ 0.50% · 4.625%
HK$136,611
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,542/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,943 · Scale 2, in force from 26 Feb 2026)