LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,283
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,189
−HK$1,937/mo
Today · 4.125%
HK$65,126
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,252/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$1,855/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$75,648
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,827
−HK$2,324/mo
Today · 4.125%
HK$78,151
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,756/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,302/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,812
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,006
−HK$2,226/mo
Today · 4.125%
HK$86,232
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,464/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,796
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,465
−HK$2,711/mo
Today · 4.125%
HK$91,176
baseline
▲ 0.50% · 4.625%
HK$96,724
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,352/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,447
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,007
−HK$2,597/mo
Today · 4.125%
HK$100,604
baseline
▲ 0.50% · 4.625%
HK$105,907
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,208/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,309
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,741
−HK$3,486/mo
Today · 4.125%
HK$117,227
baseline
▲ 0.50% · 4.625%
HK$124,360
+HK$7,133/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,454/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,718
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,009
−HK$3,339/mo
Today · 4.125%
HK$129,348
baseline
▲ 0.50% · 4.625%
HK$136,166
+HK$6,818/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,696/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,209 · Scale 2, in force from 26 Feb 2026)