LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,179
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,933/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,971
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,886
−HK$1,852/mo
Today · 4.125%
HK$71,738
baseline
▲ 0.50% · 4.625%
HK$75,519
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,476/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,415
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,698
−HK$2,320/mo
Today · 4.125%
HK$78,018
baseline
▲ 0.50% · 4.625%
HK$82,765
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,036/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,673
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,863
−HK$2,222/mo
Today · 4.125%
HK$86,085
baseline
▲ 0.50% · 4.625%
HK$90,623
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,170/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,650
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,314
−HK$2,707/mo
Today · 4.125%
HK$91,021
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,042/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,285
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,841
−HK$2,592/mo
Today · 4.125%
HK$100,433
baseline
▲ 0.50% · 4.625%
HK$105,727
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,866/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,122
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,547
−HK$3,480/mo
Today · 4.125%
HK$117,027
baseline
▲ 0.50% · 4.625%
HK$124,148
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,054/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,509
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,795
−HK$3,333/mo
Today · 4.125%
HK$129,128
baseline
▲ 0.50% · 4.625%
HK$135,935
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,256/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,266 · Scale 2, in force from 26 Feb 2026)