LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,507
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,420
−HK$1,944/mo
Today · 4.125%
HK$65,364
baseline
▲ 0.50% · 4.625%
HK$69,341
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,728/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,426
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,261
−HK$1,862/mo
Today · 4.125%
HK$72,123
baseline
▲ 0.50% · 4.625%
HK$75,924
+HK$3,801/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,246/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,808
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,333/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,874/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,111
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,313
−HK$2,234/mo
Today · 4.125%
HK$86,547
baseline
▲ 0.50% · 4.625%
HK$91,109
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,094/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,110
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,788
−HK$2,721/mo
Today · 4.125%
HK$91,509
baseline
▲ 0.50% · 4.625%
HK$97,078
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,018/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,796
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,365
−HK$2,607/mo
Today · 4.125%
HK$100,972
baseline
▲ 0.50% · 4.625%
HK$106,294
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,944/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,712
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,156
−HK$3,499/mo
Today · 4.125%
HK$117,655
baseline
▲ 0.50% · 4.625%
HK$124,814
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,310/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,166
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,470
−HK$3,351/mo
Today · 4.125%
HK$129,821
baseline
▲ 0.50% · 4.625%
HK$136,664
+HK$6,843/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,642/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,381 · Scale 2, in force from 26 Feb 2026)