LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,218
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,934/mo
Today · 4.125%
HK$65,057
baseline
▲ 0.50% · 4.625%
HK$69,016
+HK$3,959/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,114/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,105
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,931
−HK$1,853/mo
Today · 4.125%
HK$71,784
baseline
▲ 0.50% · 4.625%
HK$75,568
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,568/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,462
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,322/mo
Today · 4.125%
HK$78,069
baseline
▲ 0.50% · 4.625%
HK$82,819
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,138/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,223/mo
Today · 4.125%
HK$86,141
baseline
▲ 0.50% · 4.625%
HK$90,682
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,282/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,706
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,372
−HK$2,708/mo
Today · 4.125%
HK$91,080
baseline
▲ 0.50% · 4.625%
HK$96,622
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,160/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,347
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,904
−HK$2,594/mo
Today · 4.125%
HK$100,498
baseline
▲ 0.50% · 4.625%
HK$105,796
+HK$5,298/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,996/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,193
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,621
−HK$3,482/mo
Today · 4.125%
HK$117,103
baseline
▲ 0.50% · 4.625%
HK$124,229
+HK$7,126/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,206/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,589
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,877
−HK$3,335/mo
Today · 4.125%
HK$129,212
baseline
▲ 0.50% · 4.625%
HK$136,023
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,424/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,005 · Scale 2, in force from 26 Feb 2026)