LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,168
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,933/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,873
−HK$1,852/mo
Today · 4.125%
HK$71,725
baseline
▲ 0.50% · 4.625%
HK$75,505
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,450/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,401
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,684
−HK$2,320/mo
Today · 4.125%
HK$78,004
baseline
▲ 0.50% · 4.625%
HK$82,750
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$156,008/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,848
−HK$2,222/mo
Today · 4.125%
HK$86,070
baseline
▲ 0.50% · 4.625%
HK$90,607
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,140/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,635
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,298
−HK$2,707/mo
Today · 4.125%
HK$91,005
baseline
▲ 0.50% · 4.625%
HK$96,542
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,010/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,268
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,823
−HK$2,592/mo
Today · 4.125%
HK$100,415
baseline
▲ 0.50% · 4.625%
HK$105,708
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,830/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,102
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,526
−HK$3,480/mo
Today · 4.125%
HK$117,006
baseline
▲ 0.50% · 4.625%
HK$124,125
+HK$7,119/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,012/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,487
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,772
−HK$3,332/mo
Today · 4.125%
HK$129,104
baseline
▲ 0.50% · 4.625%
HK$135,910
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,208/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,057 · Scale 2, in force from 26 Feb 2026)