LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,502
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,416
−HK$1,943/mo
Today · 4.125%
HK$65,359
baseline
▲ 0.50% · 4.625%
HK$69,336
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,718/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,421
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,256
−HK$1,861/mo
Today · 4.125%
HK$72,117
baseline
▲ 0.50% · 4.625%
HK$75,919
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,234/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,803
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,099
−HK$2,332/mo
Today · 4.125%
HK$78,431
baseline
▲ 0.50% · 4.625%
HK$83,203
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,862/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,105
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,307
−HK$2,234/mo
Today · 4.125%
HK$86,541
baseline
▲ 0.50% · 4.625%
HK$91,103
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,082/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,103
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,782
−HK$2,721/mo
Today · 4.125%
HK$91,503
baseline
▲ 0.50% · 4.625%
HK$97,071
+HK$5,568/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,006/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,789
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,358
−HK$2,606/mo
Today · 4.125%
HK$100,964
baseline
▲ 0.50% · 4.625%
HK$106,286
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,928/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,704
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,148
−HK$3,499/mo
Today · 4.125%
HK$117,647
baseline
▲ 0.50% · 4.625%
HK$124,805
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,294/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,158
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,461
−HK$3,350/mo
Today · 4.125%
HK$129,811
baseline
▲ 0.50% · 4.625%
HK$136,654
+HK$6,843/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,622/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,299 · Scale 2, in force from 26 Feb 2026)