LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,190
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,934/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$1,852/mo
Today · 4.125%
HK$71,751
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,502/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,428
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,712
−HK$2,320/mo
Today · 4.125%
HK$78,032
baseline
▲ 0.50% · 4.625%
HK$82,780
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,064/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,688
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,878
−HK$2,223/mo
Today · 4.125%
HK$86,101
baseline
▲ 0.50% · 4.625%
HK$90,639
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,202/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,666
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,330
−HK$2,708/mo
Today · 4.125%
HK$91,038
baseline
▲ 0.50% · 4.625%
HK$96,577
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,076/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,302
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,858
−HK$2,593/mo
Today · 4.125%
HK$100,451
baseline
▲ 0.50% · 4.625%
HK$105,746
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,902/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,142
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,568
−HK$3,481/mo
Today · 4.125%
HK$117,049
baseline
▲ 0.50% · 4.625%
HK$124,171
+HK$7,122/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,098/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,531
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,818
−HK$3,333/mo
Today · 4.125%
HK$129,151
baseline
▲ 0.50% · 4.625%
HK$135,959
+HK$6,808/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,302/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,472 · Scale 2, in force from 26 Feb 2026)