LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,249
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,154
−HK$1,936/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$1,854/mo
Today · 4.125%
HK$71,820
baseline
▲ 0.50% · 4.625%
HK$75,606
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,640/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,499
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,785
−HK$2,323/mo
Today · 4.125%
HK$78,108
baseline
▲ 0.50% · 4.625%
HK$82,860
+HK$4,752/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$156,216/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,767
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,960
−HK$2,224/mo
Today · 4.125%
HK$86,184
baseline
▲ 0.50% · 4.625%
HK$90,727
+HK$4,543/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$172,368/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,749
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,416
−HK$2,710/mo
Today · 4.125%
HK$91,126
baseline
▲ 0.50% · 4.625%
HK$96,671
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,252/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,394
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,953
−HK$2,595/mo
Today · 4.125%
HK$100,548
baseline
▲ 0.50% · 4.625%
HK$105,848
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,096/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,248
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,677
−HK$3,485/mo
Today · 4.125%
HK$117,162
baseline
▲ 0.50% · 4.625%
HK$124,291
+HK$7,129/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,324/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,650
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,939
−HK$3,337/mo
Today · 4.125%
HK$129,276
baseline
▲ 0.50% · 4.625%
HK$136,091
+HK$6,815/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,552/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,574 · Scale 2, in force from 26 Feb 2026)