LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,144
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,932/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,932
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,022
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$1,851/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,373
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,655
−HK$2,319/mo
Today · 4.125%
HK$77,974
baseline
▲ 0.50% · 4.625%
HK$82,719
+HK$4,745/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,948/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,627
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,816
−HK$2,221/mo
Today · 4.125%
HK$86,037
baseline
▲ 0.50% · 4.625%
HK$90,572
+HK$4,535/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,074/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,602
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,264
−HK$2,706/mo
Today · 4.125%
HK$90,970
baseline
▲ 0.50% · 4.625%
HK$96,505
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,940/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,231
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,785
−HK$2,591/mo
Today · 4.125%
HK$100,376
baseline
▲ 0.50% · 4.625%
HK$105,667
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,752/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,059
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,483
−HK$3,478/mo
Today · 4.125%
HK$116,961
baseline
▲ 0.50% · 4.625%
HK$124,078
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,922/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,440
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,724
−HK$3,331/mo
Today · 4.125%
HK$129,055
baseline
▲ 0.50% · 4.625%
HK$135,858
+HK$6,803/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,110/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,619 · Scale 2, in force from 26 Feb 2026)