LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,280
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,937/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,173
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,002
−HK$1,854/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$75,644
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,823
−HK$2,324/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,902
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,808
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,002
−HK$2,226/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$90,773
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,792
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,461
−HK$2,711/mo
Today · 4.125%
HK$91,172
baseline
▲ 0.50% · 4.625%
HK$96,719
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,344/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,443
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,002
−HK$2,597/mo
Today · 4.125%
HK$100,599
baseline
▲ 0.50% · 4.625%
HK$105,902
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,198/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,304
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,735
−HK$3,486/mo
Today · 4.125%
HK$117,221
baseline
▲ 0.50% · 4.625%
HK$124,353
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,442/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,712
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,003
−HK$3,339/mo
Today · 4.125%
HK$129,342
baseline
▲ 0.50% · 4.625%
HK$136,159
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,684/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,151 · Scale 2, in force from 26 Feb 2026)