LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,520
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,433
−HK$1,945/mo
Today · 4.125%
HK$65,378
baseline
▲ 0.50% · 4.625%
HK$69,356
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,756/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,440
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,276
−HK$1,862/mo
Today · 4.125%
HK$72,138
baseline
▲ 0.50% · 4.625%
HK$75,940
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,276/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,824
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,120
−HK$2,333/mo
Today · 4.125%
HK$78,453
baseline
▲ 0.50% · 4.625%
HK$83,227
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,906/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,128
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,331
−HK$2,234/mo
Today · 4.125%
HK$86,565
baseline
▲ 0.50% · 4.625%
HK$91,128
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,130/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,807
−HK$2,722/mo
Today · 4.125%
HK$91,529
baseline
▲ 0.50% · 4.625%
HK$97,098
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,058/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,816
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,386
−HK$2,607/mo
Today · 4.125%
HK$100,993
baseline
▲ 0.50% · 4.625%
HK$106,316
+HK$5,323/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$201,986/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,736
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,180
−HK$3,500/mo
Today · 4.125%
HK$117,680
baseline
▲ 0.50% · 4.625%
HK$124,840
+HK$7,160/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,360/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,192
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,496
−HK$3,352/mo
Today · 4.125%
HK$129,848
baseline
▲ 0.50% · 4.625%
HK$136,693
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,696/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,623 · Scale 2, in force from 26 Feb 2026)