LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,914
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,957/mo
Today · 4.125%
HK$65,797
baseline
▲ 0.50% · 4.625%
HK$69,801
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,594/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,879
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$1,874/mo
Today · 4.125%
HK$72,600
baseline
▲ 0.50% · 4.625%
HK$76,427
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,200/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,297
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,348/mo
Today · 4.125%
HK$78,956
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,912/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,655
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,872
−HK$2,248/mo
Today · 4.125%
HK$87,120
baseline
▲ 0.50% · 4.625%
HK$91,713
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,240/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,680
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,740/mo
Today · 4.125%
HK$92,116
baseline
▲ 0.50% · 4.625%
HK$97,721
+HK$5,605/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,232/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,431
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$2,624/mo
Today · 4.125%
HK$101,641
baseline
▲ 0.50% · 4.625%
HK$106,998
+HK$5,357/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,282/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,446
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,912
−HK$3,522/mo
Today · 4.125%
HK$118,434
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,868/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,982
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,308
−HK$3,373/mo
Today · 4.125%
HK$130,681
baseline
▲ 0.50% · 4.625%
HK$137,569
+HK$6,888/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,362/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,976 · Scale 2, in force from 26 Feb 2026)