LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,187
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,091
−HK$1,933/mo
Today · 4.125%
HK$65,024
baseline
▲ 0.50% · 4.625%
HK$68,981
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,048/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,070
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,896
−HK$1,852/mo
Today · 4.125%
HK$71,748
baseline
▲ 0.50% · 4.625%
HK$75,530
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,496/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,425
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,320/mo
Today · 4.125%
HK$78,029
baseline
▲ 0.50% · 4.625%
HK$82,777
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,058/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,684
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,875
−HK$2,223/mo
Today · 4.125%
HK$86,098
baseline
▲ 0.50% · 4.625%
HK$90,636
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,196/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,662
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,327
−HK$2,707/mo
Today · 4.125%
HK$91,034
baseline
▲ 0.50% · 4.625%
HK$96,573
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,068/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,299
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,854
−HK$2,593/mo
Today · 4.125%
HK$100,447
baseline
▲ 0.50% · 4.625%
HK$105,742
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,894/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,137
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,563
−HK$3,481/mo
Today · 4.125%
HK$117,044
baseline
▲ 0.50% · 4.625%
HK$124,166
+HK$7,122/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,088/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,527
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,813
−HK$3,333/mo
Today · 4.125%
HK$129,146
baseline
▲ 0.50% · 4.625%
HK$135,954
+HK$6,808/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,292/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,427 · Scale 2, in force from 26 Feb 2026)