LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,080
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,980
−HK$1,930/mo
Today · 4.125%
HK$64,910
baseline
▲ 0.50% · 4.625%
HK$68,859
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,820/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,950
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,773
−HK$1,849/mo
Today · 4.125%
HK$71,622
baseline
▲ 0.50% · 4.625%
HK$75,397
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,244/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,575
−HK$2,317/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,541
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,727
−HK$2,219/mo
Today · 4.125%
HK$85,946
baseline
▲ 0.50% · 4.625%
HK$90,476
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,892/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,511
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,171
−HK$2,703/mo
Today · 4.125%
HK$90,874
baseline
▲ 0.50% · 4.625%
HK$96,403
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,748/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,131
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,682
−HK$2,588/mo
Today · 4.125%
HK$100,270
baseline
▲ 0.50% · 4.625%
HK$105,556
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,540/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,943
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,363
−HK$3,475/mo
Today · 4.125%
HK$116,838
baseline
▲ 0.50% · 4.625%
HK$123,947
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,676/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,311
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,591
−HK$3,328/mo
Today · 4.125%
HK$128,919
baseline
▲ 0.50% · 4.625%
HK$135,714
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,838/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,418 · Scale 2, in force from 26 Feb 2026)