LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,168
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,071
−HK$1,933/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,049
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$1,852/mo
Today · 4.125%
HK$71,726
baseline
▲ 0.50% · 4.625%
HK$75,506
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,452/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,402
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,685
−HK$2,320/mo
Today · 4.125%
HK$78,005
baseline
▲ 0.50% · 4.625%
HK$82,751
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,010/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,659
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,849
−HK$2,222/mo
Today · 4.125%
HK$86,071
baseline
▲ 0.50% · 4.625%
HK$90,608
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,142/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,636
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,299
−HK$2,707/mo
Today · 4.125%
HK$91,006
baseline
▲ 0.50% · 4.625%
HK$96,543
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,012/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,269
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,824
−HK$2,592/mo
Today · 4.125%
HK$100,416
baseline
▲ 0.50% · 4.625%
HK$105,709
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,832/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,103
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,528
−HK$3,479/mo
Today · 4.125%
HK$117,007
baseline
▲ 0.50% · 4.625%
HK$124,127
+HK$7,120/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,014/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,488
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,774
−HK$3,332/mo
Today · 4.125%
HK$129,106
baseline
▲ 0.50% · 4.625%
HK$135,911
+HK$6,805/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,212/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,071 · Scale 2, in force from 26 Feb 2026)