LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,275
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,181
−HK$1,936/mo
Today · 4.125%
HK$65,117
baseline
▲ 0.50% · 4.625%
HK$69,079
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,234/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,168
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,996
−HK$1,854/mo
Today · 4.125%
HK$71,850
baseline
▲ 0.50% · 4.625%
HK$75,638
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,700/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,530
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,817
−HK$2,324/mo
Today · 4.125%
HK$78,141
baseline
▲ 0.50% · 4.625%
HK$82,895
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,282/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,801
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,995
−HK$2,225/mo
Today · 4.125%
HK$86,220
baseline
▲ 0.50% · 4.625%
HK$90,765
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,440/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,785
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,453
−HK$2,711/mo
Today · 4.125%
HK$91,164
baseline
▲ 0.50% · 4.625%
HK$96,711
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,328/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,435
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,994
−HK$2,597/mo
Today · 4.125%
HK$100,591
baseline
▲ 0.50% · 4.625%
HK$105,893
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,182/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,294
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,725
−HK$3,486/mo
Today · 4.125%
HK$117,211
baseline
▲ 0.50% · 4.625%
HK$124,343
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,422/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,702
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,992
−HK$3,339/mo
Today · 4.125%
HK$129,331
baseline
▲ 0.50% · 4.625%
HK$136,148
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,662/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,054 · Scale 2, in force from 26 Feb 2026)