LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,186
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,089
−HK$1,934/mo
Today · 4.125%
HK$65,023
baseline
▲ 0.50% · 4.625%
HK$68,979
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,046/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$1,852/mo
Today · 4.125%
HK$71,746
baseline
▲ 0.50% · 4.625%
HK$75,528
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,492/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,423
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,320/mo
Today · 4.125%
HK$78,027
baseline
▲ 0.50% · 4.625%
HK$82,775
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,054/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,682
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,873
−HK$2,222/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$90,634
+HK$4,539/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,660
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,325
−HK$2,707/mo
Today · 4.125%
HK$91,032
baseline
▲ 0.50% · 4.625%
HK$96,571
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,064/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,296
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,852
−HK$2,593/mo
Today · 4.125%
HK$100,445
baseline
▲ 0.50% · 4.625%
HK$105,739
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,890/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,134
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,560
−HK$3,481/mo
Today · 4.125%
HK$117,041
baseline
▲ 0.50% · 4.625%
HK$124,162
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,082/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,523
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,809
−HK$3,334/mo
Today · 4.125%
HK$129,143
baseline
▲ 0.50% · 4.625%
HK$135,950
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,286/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,396 · Scale 2, in force from 26 Feb 2026)