LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,235
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,935/mo
Today · 4.125%
HK$65,075
baseline
▲ 0.50% · 4.625%
HK$69,035
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,150/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,124
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,951
−HK$1,853/mo
Today · 4.125%
HK$71,804
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,608/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,482
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,768
−HK$2,322/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,842
+HK$4,752/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,748
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,941
−HK$2,224/mo
Today · 4.125%
HK$86,165
baseline
▲ 0.50% · 4.625%
HK$90,707
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,330/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,729
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,396
−HK$2,709/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$96,649
+HK$5,544/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,373
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,931
−HK$2,595/mo
Today · 4.125%
HK$100,526
baseline
▲ 0.50% · 4.625%
HK$105,825
+HK$5,299/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,052/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,223
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,652
−HK$3,483/mo
Today · 4.125%
HK$117,135
baseline
▲ 0.50% · 4.625%
HK$124,263
+HK$7,128/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,270/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,622
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,911
−HK$3,336/mo
Today · 4.125%
HK$129,247
baseline
▲ 0.50% · 4.625%
HK$136,060
+HK$6,813/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,494/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,319 · Scale 2, in force from 26 Feb 2026)