LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,272
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,177
−HK$1,937/mo
Today · 4.125%
HK$65,114
baseline
▲ 0.50% · 4.625%
HK$69,076
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,228/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,164
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,992
−HK$1,855/mo
Today · 4.125%
HK$71,847
baseline
▲ 0.50% · 4.625%
HK$75,634
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,694/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,526
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,813
−HK$2,324/mo
Today · 4.125%
HK$78,137
baseline
▲ 0.50% · 4.625%
HK$82,891
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,274/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,797
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,991
−HK$2,225/mo
Today · 4.125%
HK$86,216
baseline
▲ 0.50% · 4.625%
HK$90,761
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,432/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,780
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,448
−HK$2,711/mo
Today · 4.125%
HK$91,159
baseline
▲ 0.50% · 4.625%
HK$96,706
+HK$5,547/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$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,430
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,989
−HK$2,596/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$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,289
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,719
−HK$3,486/mo
Today · 4.125%
HK$117,205
baseline
▲ 0.50% · 4.625%
HK$124,337
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,410/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,695
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,986
−HK$3,338/mo
Today · 4.125%
HK$129,324
baseline
▲ 0.50% · 4.625%
HK$136,141
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,648/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,996 · Scale 2, in force from 26 Feb 2026)