LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,212
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,116
−HK$1,935/mo
Today · 4.125%
HK$65,051
baseline
▲ 0.50% · 4.625%
HK$69,009
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,102/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,098
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,925
−HK$1,852/mo
Today · 4.125%
HK$71,777
baseline
▲ 0.50% · 4.625%
HK$75,561
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,554/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,455
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,740
−HK$2,321/mo
Today · 4.125%
HK$78,061
baseline
▲ 0.50% · 4.625%
HK$82,811
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,122/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,718
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,909
−HK$2,224/mo
Today · 4.125%
HK$86,133
baseline
▲ 0.50% · 4.625%
HK$90,673
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,266/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,697
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,363
−HK$2,708/mo
Today · 4.125%
HK$91,071
baseline
▲ 0.50% · 4.625%
HK$96,613
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,142/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,337
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,894
−HK$2,594/mo
Today · 4.125%
HK$100,488
baseline
▲ 0.50% · 4.625%
HK$105,785
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,976/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,182
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,610
−HK$3,482/mo
Today · 4.125%
HK$117,092
baseline
▲ 0.50% · 4.625%
HK$124,216
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,184/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,577
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,864
−HK$3,335/mo
Today · 4.125%
HK$129,199
baseline
▲ 0.50% · 4.625%
HK$136,009
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,398/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,893 · Scale 2, in force from 26 Feb 2026)