LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,204
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,108
−HK$1,934/mo
Today · 4.125%
HK$65,042
baseline
▲ 0.50% · 4.625%
HK$68,999
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,084/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,089
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,915
−HK$1,852/mo
Today · 4.125%
HK$71,767
baseline
▲ 0.50% · 4.625%
HK$75,550
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,534/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,445
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,729
−HK$2,321/mo
Today · 4.125%
HK$78,050
baseline
▲ 0.50% · 4.625%
HK$82,799
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,100/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,706
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,898
−HK$2,223/mo
Today · 4.125%
HK$86,121
baseline
▲ 0.50% · 4.625%
HK$90,660
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,242/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,685
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,351
−HK$2,708/mo
Today · 4.125%
HK$91,059
baseline
▲ 0.50% · 4.625%
HK$96,599
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,118/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,324
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,881
−HK$2,593/mo
Today · 4.125%
HK$100,474
baseline
▲ 0.50% · 4.625%
HK$105,770
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,948/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,167
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,594
−HK$3,481/mo
Today · 4.125%
HK$117,075
baseline
▲ 0.50% · 4.625%
HK$124,199
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,150/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,560
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,846
−HK$3,335/mo
Today · 4.125%
HK$129,181
baseline
▲ 0.50% · 4.625%
HK$135,990
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,362/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,733 · Scale 2, in force from 26 Feb 2026)