LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,199
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,102
−HK$1,934/mo
Today · 4.125%
HK$65,036
baseline
▲ 0.50% · 4.625%
HK$68,994
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,072/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,083
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,909
−HK$1,852/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$75,544
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,522/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,438
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,723
−HK$2,321/mo
Today · 4.125%
HK$78,044
baseline
▲ 0.50% · 4.625%
HK$82,792
+HK$4,748/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,088/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,699
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,891
−HK$2,222/mo
Today · 4.125%
HK$86,113
baseline
▲ 0.50% · 4.625%
HK$90,652
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,226/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,678
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,343
−HK$2,708/mo
Today · 4.125%
HK$91,051
baseline
▲ 0.50% · 4.625%
HK$96,591
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,102/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,316
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,872
−HK$2,594/mo
Today · 4.125%
HK$100,466
baseline
▲ 0.50% · 4.625%
HK$105,761
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,932/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,157
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,584
−HK$3,481/mo
Today · 4.125%
HK$117,065
baseline
▲ 0.50% · 4.625%
HK$124,188
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,130/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,549
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,836
−HK$3,334/mo
Today · 4.125%
HK$129,170
baseline
▲ 0.50% · 4.625%
HK$135,979
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,340/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,635 · Scale 2, in force from 26 Feb 2026)