LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,647
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,564
−HK$1,949/mo
Today · 4.125%
HK$65,513
baseline
▲ 0.50% · 4.625%
HK$69,499
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,026/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,581
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,421
−HK$1,866/mo
Today · 4.125%
HK$72,287
baseline
▲ 0.50% · 4.625%
HK$76,097
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,574/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,976
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,338/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,784/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,298
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,239/mo
Today · 4.125%
HK$86,744
baseline
▲ 0.50% · 4.625%
HK$91,316
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,488/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,306
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,990
−HK$2,728/mo
Today · 4.125%
HK$91,718
baseline
▲ 0.50% · 4.625%
HK$97,298
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,436/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,014
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,589
−HK$2,612/mo
Today · 4.125%
HK$101,201
baseline
▲ 0.50% · 4.625%
HK$106,536
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,402/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,964
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,416
−HK$3,507/mo
Today · 4.125%
HK$117,923
baseline
▲ 0.50% · 4.625%
HK$125,098
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,846/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,447
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,757
−HK$3,359/mo
Today · 4.125%
HK$130,116
baseline
▲ 0.50% · 4.625%
HK$136,975
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,232/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,990 · Scale 2, in force from 26 Feb 2026)