LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,217
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,935/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,929
−HK$1,853/mo
Today · 4.125%
HK$71,782
baseline
▲ 0.50% · 4.625%
HK$75,566
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,564/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,460
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,745
−HK$2,322/mo
Today · 4.125%
HK$78,067
baseline
▲ 0.50% · 4.625%
HK$82,817
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,134/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,724
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,915
−HK$2,224/mo
Today · 4.125%
HK$86,139
baseline
▲ 0.50% · 4.625%
HK$90,679
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,278/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,703
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,369
−HK$2,709/mo
Today · 4.125%
HK$91,078
baseline
▲ 0.50% · 4.625%
HK$96,620
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,156/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,344
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,901
−HK$2,594/mo
Today · 4.125%
HK$100,495
baseline
▲ 0.50% · 4.625%
HK$105,793
+HK$5,298/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,990/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,190
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,618
−HK$3,482/mo
Today · 4.125%
HK$117,100
baseline
▲ 0.50% · 4.625%
HK$124,225
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,200/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,585
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,873
−HK$3,335/mo
Today · 4.125%
HK$129,208
baseline
▲ 0.50% · 4.625%
HK$136,019
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,416/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,973 · Scale 2, in force from 26 Feb 2026)