LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,271
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,177
−HK$1,936/mo
Today · 4.125%
HK$65,113
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,226/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,163
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,992
−HK$1,854/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$75,633
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,525
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,812
−HK$2,324/mo
Today · 4.125%
HK$78,136
baseline
▲ 0.50% · 4.625%
HK$82,890
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,272/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,796
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,990
−HK$2,225/mo
Today · 4.125%
HK$86,215
baseline
▲ 0.50% · 4.625%
HK$90,760
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,430/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,779
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,448
−HK$2,711/mo
Today · 4.125%
HK$91,159
baseline
▲ 0.50% · 4.625%
HK$96,705
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,318/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,429
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,988
−HK$2,597/mo
Today · 4.125%
HK$100,585
baseline
▲ 0.50% · 4.625%
HK$105,887
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,170/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,288
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,719
−HK$3,485/mo
Today · 4.125%
HK$117,204
baseline
▲ 0.50% · 4.625%
HK$124,336
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,408/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,694
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,985
−HK$3,338/mo
Today · 4.125%
HK$129,323
baseline
▲ 0.50% · 4.625%
HK$136,140
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,646/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,986 · Scale 2, in force from 26 Feb 2026)