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$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,092
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,919
−HK$1,852/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$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,449
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,733
−HK$2,322/mo
Today · 4.125%
HK$78,055
baseline
▲ 0.50% · 4.625%
HK$82,804
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,110/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,711
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,902
−HK$2,223/mo
Today · 4.125%
HK$86,125
baseline
▲ 0.50% · 4.625%
HK$90,665
+HK$4,540/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$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,690
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,356
−HK$2,708/mo
Today · 4.125%
HK$91,064
baseline
▲ 0.50% · 4.625%
HK$96,605
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,128/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,329
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,886
−HK$2,594/mo
Today · 4.125%
HK$100,480
baseline
▲ 0.50% · 4.625%
HK$105,776
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,960/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,173
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,600
−HK$3,482/mo
Today · 4.125%
HK$117,082
baseline
▲ 0.50% · 4.625%
HK$124,206
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,164/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,566
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,853
−HK$3,335/mo
Today · 4.125%
HK$129,188
baseline
▲ 0.50% · 4.625%
HK$135,998
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,376/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,796 · Scale 2, in force from 26 Feb 2026)