LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,252
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,936/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$69,054
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,142
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,970
−HK$1,854/mo
Today · 4.125%
HK$71,824
baseline
▲ 0.50% · 4.625%
HK$75,610
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,648/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,502
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,789
−HK$2,323/mo
Today · 4.125%
HK$78,112
baseline
▲ 0.50% · 4.625%
HK$82,865
+HK$4,753/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$156,224/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,771
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,964
−HK$2,225/mo
Today · 4.125%
HK$86,189
baseline
▲ 0.50% · 4.625%
HK$90,732
+HK$4,543/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$172,378/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,753
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,420
−HK$2,710/mo
Today · 4.125%
HK$91,130
baseline
▲ 0.50% · 4.625%
HK$96,675
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,260/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,399
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,958
−HK$2,595/mo
Today · 4.125%
HK$100,553
baseline
▲ 0.50% · 4.625%
HK$105,854
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,106/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,254
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,683
−HK$3,485/mo
Today · 4.125%
HK$117,168
baseline
▲ 0.50% · 4.625%
HK$124,297
+HK$7,129/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,336/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,656
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,946
−HK$3,337/mo
Today · 4.125%
HK$129,283
baseline
▲ 0.50% · 4.625%
HK$136,098
+HK$6,815/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,566/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,632 · Scale 2, in force from 26 Feb 2026)