LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,183
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,086
−HK$1,933/mo
Today · 4.125%
HK$65,019
baseline
▲ 0.50% · 4.625%
HK$68,976
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,038/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,890
−HK$1,852/mo
Today · 4.125%
HK$71,742
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,484/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,703
−HK$2,320/mo
Today · 4.125%
HK$78,023
baseline
▲ 0.50% · 4.625%
HK$82,771
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,046/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,678
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,869
−HK$2,222/mo
Today · 4.125%
HK$86,091
baseline
▲ 0.50% · 4.625%
HK$90,629
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,182/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,656
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,320
−HK$2,707/mo
Today · 4.125%
HK$91,027
baseline
▲ 0.50% · 4.625%
HK$96,566
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,054/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,291
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,847
−HK$2,592/mo
Today · 4.125%
HK$100,439
baseline
▲ 0.50% · 4.625%
HK$105,734
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,878/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,129
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,554
−HK$3,481/mo
Today · 4.125%
HK$117,035
baseline
▲ 0.50% · 4.625%
HK$124,156
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,070/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,517
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,803
−HK$3,333/mo
Today · 4.125%
HK$129,136
baseline
▲ 0.50% · 4.625%
HK$135,943
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,272/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,337 · Scale 2, in force from 26 Feb 2026)