LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,266
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,172
−HK$1,936/mo
Today · 4.125%
HK$65,108
baseline
▲ 0.50% · 4.625%
HK$69,070
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,216/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,158
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,986
−HK$1,854/mo
Today · 4.125%
HK$71,840
baseline
▲ 0.50% · 4.625%
HK$75,627
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,680/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,519
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,806
−HK$2,324/mo
Today · 4.125%
HK$78,130
baseline
▲ 0.50% · 4.625%
HK$82,884
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,260/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,790
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,983
−HK$2,225/mo
Today · 4.125%
HK$86,208
baseline
▲ 0.50% · 4.625%
HK$90,753
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,416/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,773
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,441
−HK$2,710/mo
Today · 4.125%
HK$91,151
baseline
▲ 0.50% · 4.625%
HK$96,698
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,302/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,421
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,980
−HK$2,597/mo
Today · 4.125%
HK$100,577
baseline
▲ 0.50% · 4.625%
HK$105,878
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,154/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,279
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,709
−HK$3,486/mo
Today · 4.125%
HK$117,195
baseline
▲ 0.50% · 4.625%
HK$124,326
+HK$7,131/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,390/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,684
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,975
−HK$3,338/mo
Today · 4.125%
HK$129,313
baseline
▲ 0.50% · 4.625%
HK$136,129
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,626/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,895 · Scale 2, in force from 26 Feb 2026)