LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,180
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,933/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,062
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$1,852/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$75,520
+HK$3,781/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,415
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,320/mo
Today · 4.125%
HK$78,019
baseline
▲ 0.50% · 4.625%
HK$82,767
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,038/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,674
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,864
−HK$2,223/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$90,624
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,651
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,316
−HK$2,706/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$96,561
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,286
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,842
−HK$2,592/mo
Today · 4.125%
HK$100,434
baseline
▲ 0.50% · 4.625%
HK$105,728
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,868/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,123
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,549
−HK$3,480/mo
Today · 4.125%
HK$117,029
baseline
▲ 0.50% · 4.625%
HK$124,150
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,058/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,511
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,797
−HK$3,333/mo
Today · 4.125%
HK$129,130
baseline
▲ 0.50% · 4.625%
HK$135,936
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,260/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,280 · Scale 2, in force from 26 Feb 2026)