LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,137
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,932/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,925
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,839
−HK$1,850/mo
Today · 4.125%
HK$71,689
baseline
▲ 0.50% · 4.625%
HK$75,468
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,378/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,365
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,647
−HK$2,319/mo
Today · 4.125%
HK$77,966
baseline
▲ 0.50% · 4.625%
HK$82,710
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,932/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,618
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,807
−HK$2,220/mo
Today · 4.125%
HK$86,027
baseline
▲ 0.50% · 4.625%
HK$90,562
+HK$4,535/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,054/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,592
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,255
−HK$2,705/mo
Today · 4.125%
HK$90,960
baseline
▲ 0.50% · 4.625%
HK$96,495
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,920/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,221
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,774
−HK$2,591/mo
Today · 4.125%
HK$100,365
baseline
▲ 0.50% · 4.625%
HK$105,656
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,730/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,047
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,470
−HK$3,478/mo
Today · 4.125%
HK$116,948
baseline
▲ 0.50% · 4.625%
HK$124,064
+HK$7,116/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,896/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,427
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,710
−HK$3,331/mo
Today · 4.125%
HK$129,041
baseline
▲ 0.50% · 4.625%
HK$135,843
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,082/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,496 · Scale 2, in force from 26 Feb 2026)