LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,165
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,068
−HK$1,933/mo
Today · 4.125%
HK$65,001
baseline
▲ 0.50% · 4.625%
HK$68,956
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,002/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,046
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,871
−HK$1,851/mo
Today · 4.125%
HK$71,722
baseline
▲ 0.50% · 4.625%
HK$75,502
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,444/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,398
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,681
−HK$2,320/mo
Today · 4.125%
HK$78,001
baseline
▲ 0.50% · 4.625%
HK$82,747
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$156,002/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,655
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,845
−HK$2,221/mo
Today · 4.125%
HK$86,066
baseline
▲ 0.50% · 4.625%
HK$90,603
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,132/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,631
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,295
−HK$2,706/mo
Today · 4.125%
HK$91,001
baseline
▲ 0.50% · 4.625%
HK$96,538
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,002/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,264
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,819
−HK$2,592/mo
Today · 4.125%
HK$100,411
baseline
▲ 0.50% · 4.625%
HK$105,703
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,822/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,097
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,522
−HK$3,479/mo
Today · 4.125%
HK$117,001
baseline
▲ 0.50% · 4.625%
HK$124,121
+HK$7,120/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,002/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,482
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,767
−HK$3,332/mo
Today · 4.125%
HK$129,099
baseline
▲ 0.50% · 4.625%
HK$135,904
+HK$6,805/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,198/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,012 · Scale 2, in force from 26 Feb 2026)