LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,284
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,190
−HK$1,937/mo
Today · 4.125%
HK$65,127
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,254/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,006
−HK$1,855/mo
Today · 4.125%
HK$71,861
baseline
▲ 0.50% · 4.625%
HK$75,649
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,722/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,324/mo
Today · 4.125%
HK$78,152
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,304/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,007
−HK$2,226/mo
Today · 4.125%
HK$86,233
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,466/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,466
−HK$2,711/mo
Today · 4.125%
HK$91,177
baseline
▲ 0.50% · 4.625%
HK$96,725
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,354/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,448
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,008
−HK$2,597/mo
Today · 4.125%
HK$100,605
baseline
▲ 0.50% · 4.625%
HK$105,908
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,210/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,310
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,742
−HK$3,486/mo
Today · 4.125%
HK$117,228
baseline
▲ 0.50% · 4.625%
HK$124,361
+HK$7,133/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,456/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,719
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,010
−HK$3,339/mo
Today · 4.125%
HK$129,349
baseline
▲ 0.50% · 4.625%
HK$136,168
+HK$6,819/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,698/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,219 · Scale 2, in force from 26 Feb 2026)