LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,535
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,449
−HK$1,945/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$69,373
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,457
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,293
−HK$1,863/mo
Today · 4.125%
HK$72,156
baseline
▲ 0.50% · 4.625%
HK$75,959
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,312/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,842
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,139
−HK$2,334/mo
Today · 4.125%
HK$78,473
baseline
▲ 0.50% · 4.625%
HK$83,247
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,946/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,148
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,352
−HK$2,235/mo
Today · 4.125%
HK$86,587
baseline
▲ 0.50% · 4.625%
HK$91,151
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,174/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,149
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,722/mo
Today · 4.125%
HK$91,551
baseline
▲ 0.50% · 4.625%
HK$97,122
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,102/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,840
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,410
−HK$2,608/mo
Today · 4.125%
HK$101,018
baseline
▲ 0.50% · 4.625%
HK$106,343
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,036/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,763
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,208
−HK$3,501/mo
Today · 4.125%
HK$117,709
baseline
▲ 0.50% · 4.625%
HK$124,871
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,418/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,223
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,527
−HK$3,353/mo
Today · 4.125%
HK$129,880
baseline
▲ 0.50% · 4.625%
HK$136,726
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,760/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,905 · Scale 2, in force from 26 Feb 2026)