LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,267
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,936/mo
Today · 4.125%
HK$65,109
baseline
▲ 0.50% · 4.625%
HK$69,071
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,218/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,159
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,987
−HK$1,854/mo
Today · 4.125%
HK$71,841
baseline
▲ 0.50% · 4.625%
HK$75,628
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,682/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,521
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,807
−HK$2,324/mo
Today · 4.125%
HK$78,131
baseline
▲ 0.50% · 4.625%
HK$82,885
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,262/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,791
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,984
−HK$2,226/mo
Today · 4.125%
HK$86,210
baseline
▲ 0.50% · 4.625%
HK$90,754
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,420/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,774
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,442
−HK$2,711/mo
Today · 4.125%
HK$91,153
baseline
▲ 0.50% · 4.625%
HK$96,699
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,306/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,423
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,982
−HK$2,596/mo
Today · 4.125%
HK$100,578
baseline
▲ 0.50% · 4.625%
HK$105,880
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,156/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,281
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,711
−HK$3,485/mo
Today · 4.125%
HK$117,196
baseline
▲ 0.50% · 4.625%
HK$124,328
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,392/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,686
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,977
−HK$3,338/mo
Today · 4.125%
HK$129,315
baseline
▲ 0.50% · 4.625%
HK$136,131
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,630/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,913 · Scale 2, in force from 26 Feb 2026)