LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,286
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,192
−HK$1,937/mo
Today · 4.125%
HK$65,129
baseline
▲ 0.50% · 4.625%
HK$69,092
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,258/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,180
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,008
−HK$1,855/mo
Today · 4.125%
HK$71,863
baseline
▲ 0.50% · 4.625%
HK$75,651
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,726/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,543
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,830
−HK$2,325/mo
Today · 4.125%
HK$78,155
baseline
▲ 0.50% · 4.625%
HK$82,910
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,310/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,816
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,010
−HK$2,226/mo
Today · 4.125%
HK$86,236
baseline
▲ 0.50% · 4.625%
HK$90,782
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,472/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,800
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,469
−HK$2,711/mo
Today · 4.125%
HK$91,180
baseline
▲ 0.50% · 4.625%
HK$96,728
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,360/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,452
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,012
−HK$2,597/mo
Today · 4.125%
HK$100,609
baseline
▲ 0.50% · 4.625%
HK$105,912
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,218/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,314
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,746
−HK$3,486/mo
Today · 4.125%
HK$117,232
baseline
▲ 0.50% · 4.625%
HK$124,365
+HK$7,133/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,464/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,723
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,015
−HK$3,339/mo
Today · 4.125%
HK$129,354
baseline
▲ 0.50% · 4.625%
HK$136,172
+HK$6,818/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,708/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,259 · Scale 2, in force from 26 Feb 2026)