LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,215
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,119
−HK$1,935/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$69,012
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,101
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,928
−HK$1,852/mo
Today · 4.125%
HK$71,780
baseline
▲ 0.50% · 4.625%
HK$75,564
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,560/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,458
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,743
−HK$2,321/mo
Today · 4.125%
HK$78,064
baseline
▲ 0.50% · 4.625%
HK$82,814
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,128/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,721
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,913
−HK$2,223/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$90,677
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,701
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,367
−HK$2,708/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$96,617
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,341
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,899
−HK$2,594/mo
Today · 4.125%
HK$100,493
baseline
▲ 0.50% · 4.625%
HK$105,790
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,986/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,187
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,614
−HK$3,483/mo
Today · 4.125%
HK$117,097
baseline
▲ 0.50% · 4.625%
HK$124,222
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,194/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,582
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,870
−HK$3,335/mo
Today · 4.125%
HK$129,205
baseline
▲ 0.50% · 4.625%
HK$136,015
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,410/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,941 · Scale 2, in force from 26 Feb 2026)