LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,531
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,445
−HK$1,945/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$69,368
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,780/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$1,862/mo
Today · 4.125%
HK$72,151
baseline
▲ 0.50% · 4.625%
HK$75,954
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,302/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,837
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,134
−HK$2,334/mo
Today · 4.125%
HK$78,468
baseline
▲ 0.50% · 4.625%
HK$83,242
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,936/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,143
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,346
−HK$2,235/mo
Today · 4.125%
HK$86,581
baseline
▲ 0.50% · 4.625%
HK$91,145
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,162/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,144
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,823
−HK$2,722/mo
Today · 4.125%
HK$91,545
baseline
▲ 0.50% · 4.625%
HK$97,116
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,090/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,834
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,404
−HK$2,607/mo
Today · 4.125%
HK$101,011
baseline
▲ 0.50% · 4.625%
HK$106,336
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,022/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,756
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,201
−HK$3,500/mo
Today · 4.125%
HK$117,701
baseline
▲ 0.50% · 4.625%
HK$124,863
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,402/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,215
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,519
−HK$3,353/mo
Today · 4.125%
HK$129,872
baseline
▲ 0.50% · 4.625%
HK$136,718
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,744/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,833 · Scale 2, in force from 26 Feb 2026)