LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,148
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,933/mo
Today · 4.125%
HK$64,983
baseline
▲ 0.50% · 4.625%
HK$68,937
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,966/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,027
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,851
−HK$1,851/mo
Today · 4.125%
HK$71,702
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,404/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,378
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,660
−HK$2,319/mo
Today · 4.125%
HK$77,979
baseline
▲ 0.50% · 4.625%
HK$82,724
+HK$4,745/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,958/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,632
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,821
−HK$2,221/mo
Today · 4.125%
HK$86,042
baseline
▲ 0.50% · 4.625%
HK$90,578
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,084/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,607
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,270
−HK$2,706/mo
Today · 4.125%
HK$90,976
baseline
▲ 0.50% · 4.625%
HK$96,511
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,952/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,237
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,792
−HK$2,591/mo
Today · 4.125%
HK$100,383
baseline
▲ 0.50% · 4.625%
HK$105,674
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,766/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,067
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,490
−HK$3,479/mo
Today · 4.125%
HK$116,969
baseline
▲ 0.50% · 4.625%
HK$124,086
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,938/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,448
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,732
−HK$3,331/mo
Today · 4.125%
HK$129,063
baseline
▲ 0.50% · 4.625%
HK$135,867
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,126/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,694 · Scale 2, in force from 26 Feb 2026)