LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,253
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,936/mo
Today · 4.125%
HK$65,094
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,188/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,143
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,971
−HK$1,854/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$75,611
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,504
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,790
−HK$2,323/mo
Today · 4.125%
HK$78,113
baseline
▲ 0.50% · 4.625%
HK$82,866
+HK$4,753/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$156,226/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,772
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,225/mo
Today · 4.125%
HK$86,190
baseline
▲ 0.50% · 4.625%
HK$90,733
+HK$4,543/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$172,380/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,754
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,422
−HK$2,710/mo
Today · 4.125%
HK$91,132
baseline
▲ 0.50% · 4.625%
HK$96,677
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,264/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,401
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,959
−HK$2,596/mo
Today · 4.125%
HK$100,555
baseline
▲ 0.50% · 4.625%
HK$105,855
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,110/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,256
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,685
−HK$3,485/mo
Today · 4.125%
HK$117,170
baseline
▲ 0.50% · 4.625%
HK$124,299
+HK$7,129/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,340/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,658
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,948
−HK$3,337/mo
Today · 4.125%
HK$129,285
baseline
▲ 0.50% · 4.625%
HK$136,100
+HK$6,815/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,570/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,651 · Scale 2, in force from 26 Feb 2026)