LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,298
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,205
−HK$1,937/mo
Today · 4.125%
HK$65,142
baseline
▲ 0.50% · 4.625%
HK$69,106
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,284/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,193
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,022
−HK$1,856/mo
Today · 4.125%
HK$71,878
baseline
▲ 0.50% · 4.625%
HK$75,667
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,756/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,558
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,846
−HK$2,324/mo
Today · 4.125%
HK$78,170
baseline
▲ 0.50% · 4.625%
HK$82,927
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,340/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,832
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,027
−HK$2,226/mo
Today · 4.125%
HK$86,253
baseline
▲ 0.50% · 4.625%
HK$90,800
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,506/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,817
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,487
−HK$2,712/mo
Today · 4.125%
HK$91,199
baseline
▲ 0.50% · 4.625%
HK$96,748
+HK$5,549/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,398/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,471
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,031
−HK$2,598/mo
Today · 4.125%
HK$100,629
baseline
▲ 0.50% · 4.625%
HK$105,933
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,258/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,336
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,769
−HK$3,487/mo
Today · 4.125%
HK$117,256
baseline
▲ 0.50% · 4.625%
HK$124,390
+HK$7,134/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,512/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,748
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,040
−HK$3,340/mo
Today · 4.125%
HK$129,380
baseline
▲ 0.50% · 4.625%
HK$136,200
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,760/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,489 · Scale 2, in force from 26 Feb 2026)