LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,953
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,880
−HK$1,958/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,844
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,922
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,771
−HK$1,875/mo
Today · 4.125%
HK$72,646
baseline
▲ 0.50% · 4.625%
HK$76,475
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,292/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,344
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,656
−HK$2,350/mo
Today · 4.125%
HK$79,006
baseline
▲ 0.50% · 4.625%
HK$83,813
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,012/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,707
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,925
−HK$2,250/mo
Today · 4.125%
HK$87,175
baseline
▲ 0.50% · 4.625%
HK$91,770
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,350/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,734
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,432
−HK$2,741/mo
Today · 4.125%
HK$92,173
baseline
▲ 0.50% · 4.625%
HK$97,782
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,346/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,491
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,079
−HK$2,625/mo
Today · 4.125%
HK$101,704
baseline
▲ 0.50% · 4.625%
HK$107,065
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,408/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,516
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,984
−HK$3,525/mo
Today · 4.125%
HK$118,509
baseline
▲ 0.50% · 4.625%
HK$125,720
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,018/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,060
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,387
−HK$3,376/mo
Today · 4.125%
HK$130,763
baseline
▲ 0.50% · 4.625%
HK$137,655
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,526/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,700 · Scale 2, in force from 26 Feb 2026)