LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,219
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,935/mo
Today · 4.125%
HK$65,058
baseline
▲ 0.50% · 4.625%
HK$69,017
+HK$3,959/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,116/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,106
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,932
−HK$1,853/mo
Today · 4.125%
HK$71,785
baseline
▲ 0.50% · 4.625%
HK$75,569
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,570/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,748
−HK$2,322/mo
Today · 4.125%
HK$78,070
baseline
▲ 0.50% · 4.625%
HK$82,820
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,140/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,727
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,919
−HK$2,223/mo
Today · 4.125%
HK$86,142
baseline
▲ 0.50% · 4.625%
HK$90,683
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,284/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,707
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,373
−HK$2,708/mo
Today · 4.125%
HK$91,081
baseline
▲ 0.50% · 4.625%
HK$96,623
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,162/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,348
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,905
−HK$2,594/mo
Today · 4.125%
HK$100,499
baseline
▲ 0.50% · 4.625%
HK$105,797
+HK$5,298/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,998/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,194
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,622
−HK$3,483/mo
Today · 4.125%
HK$117,105
baseline
▲ 0.50% · 4.625%
HK$124,230
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,210/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,590
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,878
−HK$3,335/mo
Today · 4.125%
HK$129,213
baseline
▲ 0.50% · 4.625%
HK$136,024
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,426/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,019 · Scale 2, in force from 26 Feb 2026)