LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,274
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,936/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,166
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,994
−HK$1,855/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$75,636
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,528
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,816
−HK$2,323/mo
Today · 4.125%
HK$78,139
baseline
▲ 0.50% · 4.625%
HK$82,894
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,278/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,800
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,226/mo
Today · 4.125%
HK$86,219
baseline
▲ 0.50% · 4.625%
HK$90,764
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,438/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,783
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,451
−HK$2,711/mo
Today · 4.125%
HK$91,162
baseline
▲ 0.50% · 4.625%
HK$96,709
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,324/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,433
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,992
−HK$2,597/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$105,891
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,293
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,723
−HK$3,486/mo
Today · 4.125%
HK$117,209
baseline
▲ 0.50% · 4.625%
HK$124,341
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,418/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,699
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,990
−HK$3,338/mo
Today · 4.125%
HK$129,328
baseline
▲ 0.50% · 4.625%
HK$136,146
+HK$6,818/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,656/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,034 · Scale 2, in force from 26 Feb 2026)