LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,229
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,935/mo
Today · 4.125%
HK$65,068
baseline
▲ 0.50% · 4.625%
HK$69,028
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,136/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,116
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,943
−HK$1,853/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$75,581
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,322/mo
Today · 4.125%
HK$78,082
baseline
▲ 0.50% · 4.625%
HK$82,833
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,164/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,740
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,932
−HK$2,224/mo
Today · 4.125%
HK$86,156
baseline
▲ 0.50% · 4.625%
HK$90,697
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,312/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,720
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,387
−HK$2,709/mo
Today · 4.125%
HK$91,096
baseline
▲ 0.50% · 4.625%
HK$96,639
+HK$5,543/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,192/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,363
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,920
−HK$2,595/mo
Today · 4.125%
HK$100,515
baseline
▲ 0.50% · 4.625%
HK$105,813
+HK$5,298/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,030/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,212
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,640
−HK$3,483/mo
Today · 4.125%
HK$117,123
baseline
▲ 0.50% · 4.625%
HK$124,250
+HK$7,127/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,246/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,609
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,898
−HK$3,336/mo
Today · 4.125%
HK$129,234
baseline
▲ 0.50% · 4.625%
HK$136,046
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,468/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,197 · Scale 2, in force from 26 Feb 2026)