LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,167
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,069
−HK$1,933/mo
Today · 4.125%
HK$65,002
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,004/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,047
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,872
−HK$1,852/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$75,504
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,683
−HK$2,320/mo
Today · 4.125%
HK$78,003
baseline
▲ 0.50% · 4.625%
HK$82,749
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$156,006/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,657
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,847
−HK$2,221/mo
Today · 4.125%
HK$86,068
baseline
▲ 0.50% · 4.625%
HK$90,605
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,136/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,633
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,297
−HK$2,706/mo
Today · 4.125%
HK$91,003
baseline
▲ 0.50% · 4.625%
HK$96,541
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,006/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,266
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,821
−HK$2,592/mo
Today · 4.125%
HK$100,413
baseline
▲ 0.50% · 4.625%
HK$105,706
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,826/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,100
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,525
−HK$3,479/mo
Today · 4.125%
HK$117,004
baseline
▲ 0.50% · 4.625%
HK$124,124
+HK$7,120/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,008/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,485
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,770
−HK$3,333/mo
Today · 4.125%
HK$129,103
baseline
▲ 0.50% · 4.625%
HK$135,908
+HK$6,805/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,206/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,040 · Scale 2, in force from 26 Feb 2026)