LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,231
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,136
−HK$1,935/mo
Today · 4.125%
HK$65,071
baseline
▲ 0.50% · 4.625%
HK$69,030
+HK$3,959/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,142/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,119
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,946
−HK$1,853/mo
Today · 4.125%
HK$71,799
baseline
▲ 0.50% · 4.625%
HK$75,584
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,598/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,478
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,763
−HK$2,322/mo
Today · 4.125%
HK$78,085
baseline
▲ 0.50% · 4.625%
HK$82,836
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,170/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,743
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,935
−HK$2,224/mo
Today · 4.125%
HK$86,159
baseline
▲ 0.50% · 4.625%
HK$90,701
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,318/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,390
−HK$2,709/mo
Today · 4.125%
HK$91,099
baseline
▲ 0.50% · 4.625%
HK$96,643
+HK$5,544/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,198/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,367
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,925
−HK$2,594/mo
Today · 4.125%
HK$100,519
baseline
▲ 0.50% · 4.625%
HK$105,818
+HK$5,299/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,038/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,216
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,645
−HK$3,483/mo
Today · 4.125%
HK$117,128
baseline
▲ 0.50% · 4.625%
HK$124,255
+HK$7,127/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,256/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,614
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,903
−HK$3,336/mo
Today · 4.125%
HK$129,239
baseline
▲ 0.50% · 4.625%
HK$136,051
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,478/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,244 · Scale 2, in force from 26 Feb 2026)