LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,213
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,117
−HK$1,935/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$69,010
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,099
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,926
−HK$1,852/mo
Today · 4.125%
HK$71,778
baseline
▲ 0.50% · 4.625%
HK$75,562
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,556/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,456
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,741
−HK$2,321/mo
Today · 4.125%
HK$78,062
baseline
▲ 0.50% · 4.625%
HK$82,812
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,124/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,719
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,911
−HK$2,223/mo
Today · 4.125%
HK$86,134
baseline
▲ 0.50% · 4.625%
HK$90,674
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,268/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,699
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,364
−HK$2,709/mo
Today · 4.125%
HK$91,073
baseline
▲ 0.50% · 4.625%
HK$96,614
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,146/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,339
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,896
−HK$2,594/mo
Today · 4.125%
HK$100,490
baseline
▲ 0.50% · 4.625%
HK$105,787
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,980/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,184
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,611
−HK$3,483/mo
Today · 4.125%
HK$117,094
baseline
▲ 0.50% · 4.625%
HK$124,218
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,188/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,579
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,866
−HK$3,335/mo
Today · 4.125%
HK$129,201
baseline
▲ 0.50% · 4.625%
HK$136,012
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,402/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,911 · Scale 2, in force from 26 Feb 2026)