LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,136
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,932/mo
Today · 4.125%
HK$64,970
baseline
▲ 0.50% · 4.625%
HK$68,923
+HK$3,953/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,940/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,013
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,837
−HK$1,851/mo
Today · 4.125%
HK$71,688
baseline
▲ 0.50% · 4.625%
HK$75,466
+HK$3,778/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,376/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,363
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,645
−HK$2,319/mo
Today · 4.125%
HK$77,964
baseline
▲ 0.50% · 4.625%
HK$82,708
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,928/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,616
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,805
−HK$2,220/mo
Today · 4.125%
HK$86,025
baseline
▲ 0.50% · 4.625%
HK$90,560
+HK$4,535/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,050/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,590
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,705/mo
Today · 4.125%
HK$90,958
baseline
▲ 0.50% · 4.625%
HK$96,492
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,916/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,218
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,772
−HK$2,591/mo
Today · 4.125%
HK$100,363
baseline
▲ 0.50% · 4.625%
HK$105,653
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,726/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,045
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,468
−HK$3,478/mo
Today · 4.125%
HK$116,946
baseline
▲ 0.50% · 4.625%
HK$124,061
+HK$7,115/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,892/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,424
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,707
−HK$3,331/mo
Today · 4.125%
HK$129,038
baseline
▲ 0.50% · 4.625%
HK$135,840
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,076/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,469 · Scale 2, in force from 26 Feb 2026)