LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,175
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,078
−HK$1,934/mo
Today · 4.125%
HK$65,012
baseline
▲ 0.50% · 4.625%
HK$68,968
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,024/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,057
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$1,852/mo
Today · 4.125%
HK$71,734
baseline
▲ 0.50% · 4.625%
HK$75,515
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,468/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,411
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,694
−HK$2,320/mo
Today · 4.125%
HK$78,014
baseline
▲ 0.50% · 4.625%
HK$82,761
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,028/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,669
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,859
−HK$2,222/mo
Today · 4.125%
HK$86,081
baseline
▲ 0.50% · 4.625%
HK$90,618
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,162/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,646
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,310
−HK$2,706/mo
Today · 4.125%
HK$91,016
baseline
▲ 0.50% · 4.625%
HK$96,555
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,032/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,280
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,835
−HK$2,593/mo
Today · 4.125%
HK$100,428
baseline
▲ 0.50% · 4.625%
HK$105,721
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,856/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,116
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,541
−HK$3,480/mo
Today · 4.125%
HK$117,021
baseline
▲ 0.50% · 4.625%
HK$124,142
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,042/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,503
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,788
−HK$3,333/mo
Today · 4.125%
HK$129,121
baseline
▲ 0.50% · 4.625%
HK$135,927
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,242/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,204 · Scale 2, in force from 26 Feb 2026)