LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,081
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,981
−HK$1,930/mo
Today · 4.125%
HK$64,911
baseline
▲ 0.50% · 4.625%
HK$68,861
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,822/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,952
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,774
−HK$1,849/mo
Today · 4.125%
HK$71,623
baseline
▲ 0.50% · 4.625%
HK$75,398
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,246/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,577
−HK$2,316/mo
Today · 4.125%
HK$77,893
baseline
▲ 0.50% · 4.625%
HK$82,633
+HK$4,740/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,786/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,542
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,729
−HK$2,219/mo
Today · 4.125%
HK$85,948
baseline
▲ 0.50% · 4.625%
HK$90,478
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,896/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,513
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,173
−HK$2,702/mo
Today · 4.125%
HK$90,875
baseline
▲ 0.50% · 4.625%
HK$96,405
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,750/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,132
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,684
−HK$2,588/mo
Today · 4.125%
HK$100,272
baseline
▲ 0.50% · 4.625%
HK$105,558
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,544/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,945
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,365
−HK$3,475/mo
Today · 4.125%
HK$116,840
baseline
▲ 0.50% · 4.625%
HK$123,949
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,680/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,313
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,593
−HK$3,328/mo
Today · 4.125%
HK$128,921
baseline
▲ 0.50% · 4.625%
HK$135,717
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,842/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,439 · Scale 2, in force from 26 Feb 2026)