LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,535
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,450
−HK$1,944/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$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,458
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,294
−HK$1,862/mo
Today · 4.125%
HK$72,156
baseline
▲ 0.50% · 4.625%
HK$75,960
+HK$3,804/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$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,843
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,139
−HK$2,334/mo
Today · 4.125%
HK$78,473
baseline
▲ 0.50% · 4.625%
HK$83,248
+HK$4,775/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$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,149
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,352
−HK$2,235/mo
Today · 4.125%
HK$86,587
baseline
▲ 0.50% · 4.625%
HK$91,152
+HK$4,565/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$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,150
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,723/mo
Today · 4.125%
HK$91,552
baseline
▲ 0.50% · 4.625%
HK$97,123
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,104/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,841
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,411
−HK$2,608/mo
Today · 4.125%
HK$101,019
baseline
▲ 0.50% · 4.625%
HK$106,343
+HK$5,324/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,038/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,764
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,209
−HK$3,501/mo
Today · 4.125%
HK$117,710
baseline
▲ 0.50% · 4.625%
HK$124,872
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,420/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,224
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,528
−HK$3,353/mo
Today · 4.125%
HK$129,881
baseline
▲ 0.50% · 4.625%
HK$136,727
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,762/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,914 · Scale 2, in force from 26 Feb 2026)