LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,163
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,066
−HK$1,933/mo
Today · 4.125%
HK$64,999
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,998/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,869
−HK$1,851/mo
Today · 4.125%
HK$71,720
baseline
▲ 0.50% · 4.625%
HK$75,500
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,440/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,396
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,679
−HK$2,320/mo
Today · 4.125%
HK$77,999
baseline
▲ 0.50% · 4.625%
HK$82,745
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,998/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,653
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,842
−HK$2,222/mo
Today · 4.125%
HK$86,064
baseline
▲ 0.50% · 4.625%
HK$90,600
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,128/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,629
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,292
−HK$2,707/mo
Today · 4.125%
HK$90,999
baseline
▲ 0.50% · 4.625%
HK$96,536
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$181,998/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,261
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,816
−HK$2,592/mo
Today · 4.125%
HK$100,408
baseline
▲ 0.50% · 4.625%
HK$105,701
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,816/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,094
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,519
−HK$3,479/mo
Today · 4.125%
HK$116,998
baseline
▲ 0.50% · 4.625%
HK$124,117
+HK$7,119/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,996/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,479
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,764
−HK$3,332/mo
Today · 4.125%
HK$129,096
baseline
▲ 0.50% · 4.625%
HK$135,901
+HK$6,805/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,192/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,981 · Scale 2, in force from 26 Feb 2026)