LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,174
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,076
−HK$1,934/mo
Today · 4.125%
HK$65,010
baseline
▲ 0.50% · 4.625%
HK$68,965
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,020/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,055
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,880
−HK$1,852/mo
Today · 4.125%
HK$71,732
baseline
▲ 0.50% · 4.625%
HK$75,513
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,464/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,408
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,692
−HK$2,320/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,758
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,666
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,856
−HK$2,222/mo
Today · 4.125%
HK$86,078
baseline
▲ 0.50% · 4.625%
HK$90,615
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,156/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,643
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,307
−HK$2,706/mo
Today · 4.125%
HK$91,013
baseline
▲ 0.50% · 4.625%
HK$96,551
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,026/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,277
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,592/mo
Today · 4.125%
HK$100,424
baseline
▲ 0.50% · 4.625%
HK$105,718
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,848/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,112
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,537
−HK$3,480/mo
Today · 4.125%
HK$117,017
baseline
▲ 0.50% · 4.625%
HK$124,138
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,034/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,499
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,784
−HK$3,333/mo
Today · 4.125%
HK$129,117
baseline
▲ 0.50% · 4.625%
HK$135,923
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,234/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,168 · Scale 2, in force from 26 Feb 2026)