LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,302
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,209
−HK$1,937/mo
Today · 4.125%
HK$65,146
baseline
▲ 0.50% · 4.625%
HK$69,110
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,292/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,198
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,027
−HK$1,855/mo
Today · 4.125%
HK$71,882
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,764/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,562
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,850
−HK$2,325/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,932
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,837
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,032
−HK$2,226/mo
Today · 4.125%
HK$86,258
baseline
▲ 0.50% · 4.625%
HK$90,805
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,516/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,822
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,492
−HK$2,712/mo
Today · 4.125%
HK$91,204
baseline
▲ 0.50% · 4.625%
HK$96,754
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,408/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,477
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,037
−HK$2,598/mo
Today · 4.125%
HK$100,635
baseline
▲ 0.50% · 4.625%
HK$105,939
+HK$5,304/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,270/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,343
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,488/mo
Today · 4.125%
HK$117,263
baseline
▲ 0.50% · 4.625%
HK$124,398
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,526/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,756
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,048
−HK$3,340/mo
Today · 4.125%
HK$129,388
baseline
▲ 0.50% · 4.625%
HK$136,208
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,776/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,557 · Scale 2, in force from 26 Feb 2026)