LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,180
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,934/mo
Today · 4.125%
HK$65,017
baseline
▲ 0.50% · 4.625%
HK$68,973
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,034/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,063
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,888
−HK$1,852/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$3,781/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,416
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,700
−HK$2,320/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,675
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,223/mo
Today · 4.125%
HK$86,088
baseline
▲ 0.50% · 4.625%
HK$90,625
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,176/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,652
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,317
−HK$2,707/mo
Today · 4.125%
HK$91,024
baseline
▲ 0.50% · 4.625%
HK$96,562
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,048/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,288
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,843
−HK$2,593/mo
Today · 4.125%
HK$100,436
baseline
▲ 0.50% · 4.625%
HK$105,730
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,872/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,125
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,550
−HK$3,480/mo
Today · 4.125%
HK$117,030
baseline
▲ 0.50% · 4.625%
HK$124,151
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,060/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,513
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,798
−HK$3,333/mo
Today · 4.125%
HK$129,131
baseline
▲ 0.50% · 4.625%
HK$135,938
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,262/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,295 · Scale 2, in force from 26 Feb 2026)