LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,532
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,944/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,979/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$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$1,863/mo
Today · 4.125%
HK$72,152
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,304/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,333/mo
Today · 4.125%
HK$78,468
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,775/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$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,144
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,347
−HK$2,235/mo
Today · 4.125%
HK$86,582
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,164/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,144
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,824
−HK$2,722/mo
Today · 4.125%
HK$91,546
baseline
▲ 0.50% · 4.625%
HK$97,117
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,092/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,835
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,405
−HK$2,607/mo
Today · 4.125%
HK$101,012
baseline
▲ 0.50% · 4.625%
HK$106,337
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,024/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,202
−HK$3,501/mo
Today · 4.125%
HK$117,703
baseline
▲ 0.50% · 4.625%
HK$124,864
+HK$7,161/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,406/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,216
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,521
−HK$3,352/mo
Today · 4.125%
HK$129,873
baseline
▲ 0.50% · 4.625%
HK$136,719
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,746/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,844 · Scale 2, in force from 26 Feb 2026)