LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,207
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,111
−HK$1,934/mo
Today · 4.125%
HK$65,045
baseline
▲ 0.50% · 4.625%
HK$69,003
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,090/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,092
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,918
−HK$1,853/mo
Today · 4.125%
HK$71,771
baseline
▲ 0.50% · 4.625%
HK$75,554
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,542/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,448
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,733
−HK$2,321/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,803
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,710
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,902
−HK$2,223/mo
Today · 4.125%
HK$86,125
baseline
▲ 0.50% · 4.625%
HK$90,664
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,250/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,689
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,355
−HK$2,708/mo
Today · 4.125%
HK$91,063
baseline
▲ 0.50% · 4.625%
HK$96,604
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,126/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,329
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,885
−HK$2,594/mo
Today · 4.125%
HK$100,479
baseline
▲ 0.50% · 4.625%
HK$105,775
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,958/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,172
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,599
−HK$3,482/mo
Today · 4.125%
HK$117,081
baseline
▲ 0.50% · 4.625%
HK$124,205
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,162/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,565
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,852
−HK$3,335/mo
Today · 4.125%
HK$129,187
baseline
▲ 0.50% · 4.625%
HK$135,997
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,374/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,786 · Scale 2, in force from 26 Feb 2026)