LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,487
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,399
−HK$1,943/mo
Today · 4.125%
HK$65,342
baseline
▲ 0.50% · 4.625%
HK$69,318
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,684/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,403
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,238
−HK$1,861/mo
Today · 4.125%
HK$72,099
baseline
▲ 0.50% · 4.625%
HK$75,899
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,198/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,784
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,079
−HK$2,332/mo
Today · 4.125%
HK$78,411
baseline
▲ 0.50% · 4.625%
HK$83,182
+HK$4,771/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,822/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,084
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,285
−HK$2,234/mo
Today · 4.125%
HK$86,519
baseline
▲ 0.50% · 4.625%
HK$91,079
+HK$4,560/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,038/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,081
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,759
−HK$2,720/mo
Today · 4.125%
HK$91,479
baseline
▲ 0.50% · 4.625%
HK$97,045
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,958/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,764
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,333
−HK$2,605/mo
Today · 4.125%
HK$100,938
baseline
▲ 0.50% · 4.625%
HK$106,259
+HK$5,321/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,876/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,676
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,118
−HK$3,498/mo
Today · 4.125%
HK$117,616
baseline
▲ 0.50% · 4.625%
HK$124,773
+HK$7,157/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,232/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,126
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,428
−HK$3,350/mo
Today · 4.125%
HK$129,778
baseline
▲ 0.50% · 4.625%
HK$136,619
+HK$6,841/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,556/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,002 · Scale 2, in force from 26 Feb 2026)