LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,287
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,193
−HK$1,937/mo
Today · 4.125%
HK$65,130
baseline
▲ 0.50% · 4.625%
HK$69,093
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,260/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,181
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,010
−HK$1,855/mo
Today · 4.125%
HK$71,865
baseline
▲ 0.50% · 4.625%
HK$75,653
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,730/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,544
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,832
−HK$2,324/mo
Today · 4.125%
HK$78,156
baseline
▲ 0.50% · 4.625%
HK$82,912
+HK$4,756/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,312/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,817
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,012
−HK$2,226/mo
Today · 4.125%
HK$86,238
baseline
▲ 0.50% · 4.625%
HK$90,783
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,476/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,802
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,471
−HK$2,711/mo
Today · 4.125%
HK$91,182
baseline
▲ 0.50% · 4.625%
HK$96,730
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,364/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,453
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,013
−HK$2,597/mo
Today · 4.125%
HK$100,610
baseline
▲ 0.50% · 4.625%
HK$105,914
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,220/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,316
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,748
−HK$3,486/mo
Today · 4.125%
HK$117,234
baseline
▲ 0.50% · 4.625%
HK$124,368
+HK$7,134/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,468/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,726
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,017
−HK$3,339/mo
Today · 4.125%
HK$129,356
baseline
▲ 0.50% · 4.625%
HK$136,175
+HK$6,819/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,712/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,281 · Scale 2, in force from 26 Feb 2026)