LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,507
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,421
−HK$1,943/mo
Today · 4.125%
HK$65,364
baseline
▲ 0.50% · 4.625%
HK$69,342
+HK$3,978/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$1,146,389 · 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$75,925
+HK$3,802/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$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,332/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$83,210
+HK$4,773/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$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,112
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,314
−HK$2,234/mo
Today · 4.125%
HK$86,548
baseline
▲ 0.50% · 4.625%
HK$91,110
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,096/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,110
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,789
−HK$2,721/mo
Today · 4.125%
HK$91,510
baseline
▲ 0.50% · 4.625%
HK$97,078
+HK$5,568/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,020/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,797
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,366
−HK$2,606/mo
Today · 4.125%
HK$100,972
baseline
▲ 0.50% · 4.625%
HK$106,295
+HK$5,323/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$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,713
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,157
−HK$3,499/mo
Today · 4.125%
HK$117,656
baseline
▲ 0.50% · 4.625%
HK$124,815
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,312/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,167
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,471
−HK$3,351/mo
Today · 4.125%
HK$129,822
baseline
▲ 0.50% · 4.625%
HK$136,665
+HK$6,843/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,644/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,389 · Scale 2, in force from 26 Feb 2026)