LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,909
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,835
−HK$1,957/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,795
+HK$4,003/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,874
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,721
−HK$1,874/mo
Today · 4.125%
HK$72,595
baseline
▲ 0.50% · 4.625%
HK$76,421
+HK$3,826/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,190/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,291
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,602
−HK$2,348/mo
Today · 4.125%
HK$78,950
baseline
▲ 0.50% · 4.625%
HK$83,754
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,900/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,648
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,865
−HK$2,249/mo
Today · 4.125%
HK$87,114
baseline
▲ 0.50% · 4.625%
HK$91,706
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,228/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,673
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,369
−HK$2,739/mo
Today · 4.125%
HK$92,108
baseline
▲ 0.50% · 4.625%
HK$97,713
+HK$5,605/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,216/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,423
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,009
−HK$2,624/mo
Today · 4.125%
HK$101,633
baseline
▲ 0.50% · 4.625%
HK$106,990
+HK$5,357/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,266/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,437
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,903
−HK$3,522/mo
Today · 4.125%
HK$118,425
baseline
▲ 0.50% · 4.625%
HK$125,631
+HK$7,206/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,850/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,973
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,297
−HK$3,373/mo
Today · 4.125%
HK$130,670
baseline
▲ 0.50% · 4.625%
HK$137,558
+HK$6,888/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,340/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,885 · Scale 2, in force from 26 Feb 2026)