LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,530
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,444
−HK$1,945/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$69,367
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,452
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,287
−HK$1,863/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$75,953
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,836
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,133
−HK$2,333/mo
Today · 4.125%
HK$78,466
baseline
▲ 0.50% · 4.625%
HK$83,241
+HK$4,775/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,932/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,142
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,345
−HK$2,235/mo
Today · 4.125%
HK$86,580
baseline
▲ 0.50% · 4.625%
HK$91,144
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,160/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,142
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,822
−HK$2,722/mo
Today · 4.125%
HK$91,544
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$5,570/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,088/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,832
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,402
−HK$2,608/mo
Today · 4.125%
HK$101,010
baseline
▲ 0.50% · 4.625%
HK$106,334
+HK$5,324/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,020/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,754
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,199
−HK$3,500/mo
Today · 4.125%
HK$117,699
baseline
▲ 0.50% · 4.625%
HK$124,861
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,398/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,213
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,517
−HK$3,353/mo
Today · 4.125%
HK$129,870
baseline
▲ 0.50% · 4.625%
HK$136,715
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,740/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,814 · Scale 2, in force from 26 Feb 2026)