LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,161
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,933/mo
Today · 4.125%
HK$64,996
baseline
▲ 0.50% · 4.625%
HK$68,951
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,992/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,040
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,865
−HK$1,851/mo
Today · 4.125%
HK$71,716
baseline
▲ 0.50% · 4.625%
HK$75,497
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,432/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,393
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,319/mo
Today · 4.125%
HK$77,995
baseline
▲ 0.50% · 4.625%
HK$82,741
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,990/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,649
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,838
−HK$2,222/mo
Today · 4.125%
HK$86,060
baseline
▲ 0.50% · 4.625%
HK$90,596
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,120/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,625
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,288
−HK$2,706/mo
Today · 4.125%
HK$90,994
baseline
▲ 0.50% · 4.625%
HK$96,531
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$181,988/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,257
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,811
−HK$2,592/mo
Today · 4.125%
HK$100,403
baseline
▲ 0.50% · 4.625%
HK$105,695
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,806/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,089
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,513
−HK$3,479/mo
Today · 4.125%
HK$116,992
baseline
▲ 0.50% · 4.625%
HK$124,111
+HK$7,119/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,984/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,473
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,757
−HK$3,333/mo
Today · 4.125%
HK$129,090
baseline
▲ 0.50% · 4.625%
HK$135,894
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,180/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,926 · Scale 2, in force from 26 Feb 2026)