LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,258
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,936/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,149
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,977
−HK$1,854/mo
Today · 4.125%
HK$71,831
baseline
▲ 0.50% · 4.625%
HK$75,618
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,662/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,510
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,797
−HK$2,323/mo
Today · 4.125%
HK$78,120
baseline
▲ 0.50% · 4.625%
HK$82,873
+HK$4,753/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,240/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,779
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,972
−HK$2,225/mo
Today · 4.125%
HK$86,197
baseline
▲ 0.50% · 4.625%
HK$90,741
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,394/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,762
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,429
−HK$2,711/mo
Today · 4.125%
HK$91,140
baseline
▲ 0.50% · 4.625%
HK$96,685
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,280/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,409
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,968
−HK$2,596/mo
Today · 4.125%
HK$100,564
baseline
▲ 0.50% · 4.625%
HK$105,865
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,128/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,265
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,695
−HK$3,485/mo
Today · 4.125%
HK$117,180
baseline
▲ 0.50% · 4.625%
HK$124,310
+HK$7,130/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,360/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,669
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,959
−HK$3,337/mo
Today · 4.125%
HK$129,296
baseline
▲ 0.50% · 4.625%
HK$136,112
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,592/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,749 · Scale 2, in force from 26 Feb 2026)