LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,195
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,099
−HK$1,933/mo
Today · 4.125%
HK$65,032
baseline
▲ 0.50% · 4.625%
HK$68,990
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,064/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,905
−HK$1,852/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$75,539
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,434
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,718
−HK$2,321/mo
Today · 4.125%
HK$78,039
baseline
▲ 0.50% · 4.625%
HK$82,787
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,078/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,695
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,886
−HK$2,222/mo
Today · 4.125%
HK$86,108
baseline
▲ 0.50% · 4.625%
HK$90,647
+HK$4,539/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,216/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,673
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,338
−HK$2,707/mo
Today · 4.125%
HK$91,045
baseline
▲ 0.50% · 4.625%
HK$96,585
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,090/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,310
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,867
−HK$2,593/mo
Today · 4.125%
HK$100,460
baseline
▲ 0.50% · 4.625%
HK$105,755
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,920/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,151
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,577
−HK$3,481/mo
Today · 4.125%
HK$117,058
baseline
▲ 0.50% · 4.625%
HK$124,181
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,116/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,542
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,828
−HK$3,334/mo
Today · 4.125%
HK$129,162
baseline
▲ 0.50% · 4.625%
HK$135,971
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,324/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,568 · Scale 2, in force from 26 Feb 2026)