LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,281
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,187
−HK$1,937/mo
Today · 4.125%
HK$65,124
baseline
▲ 0.50% · 4.625%
HK$69,087
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,248/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,175
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,003
−HK$1,855/mo
Today · 4.125%
HK$71,858
baseline
▲ 0.50% · 4.625%
HK$75,645
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,716/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,537
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,324/mo
Today · 4.125%
HK$78,149
baseline
▲ 0.50% · 4.625%
HK$82,904
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,298/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,809
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,004
−HK$2,225/mo
Today · 4.125%
HK$86,229
baseline
▲ 0.50% · 4.625%
HK$90,775
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,458/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,793
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,462
−HK$2,711/mo
Today · 4.125%
HK$91,173
baseline
▲ 0.50% · 4.625%
HK$96,721
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,346/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,444
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,004
−HK$2,597/mo
Today · 4.125%
HK$100,601
baseline
▲ 0.50% · 4.625%
HK$105,904
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,202/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,306
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,737
−HK$3,486/mo
Today · 4.125%
HK$117,223
baseline
▲ 0.50% · 4.625%
HK$124,356
+HK$7,133/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,446/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,714
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,005
−HK$3,339/mo
Today · 4.125%
HK$129,344
baseline
▲ 0.50% · 4.625%
HK$136,162
+HK$6,818/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,688/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,172 · Scale 2, in force from 26 Feb 2026)