LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,304
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,211
−HK$1,937/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,200
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,029
−HK$1,856/mo
Today · 4.125%
HK$71,885
baseline
▲ 0.50% · 4.625%
HK$75,674
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,770/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,565
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,853
−HK$2,325/mo
Today · 4.125%
HK$78,178
baseline
▲ 0.50% · 4.625%
HK$82,935
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,356/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,840
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,035
−HK$2,227/mo
Today · 4.125%
HK$86,262
baseline
▲ 0.50% · 4.625%
HK$90,809
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,524/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,826
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,713/mo
Today · 4.125%
HK$91,208
baseline
▲ 0.50% · 4.625%
HK$96,757
+HK$5,549/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,416/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,480
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,041
−HK$2,598/mo
Today · 4.125%
HK$100,639
baseline
▲ 0.50% · 4.625%
HK$105,944
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,278/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,347
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,780
−HK$3,487/mo
Today · 4.125%
HK$117,267
baseline
▲ 0.50% · 4.625%
HK$124,402
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,534/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,760
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,053
−HK$3,340/mo
Today · 4.125%
HK$129,393
baseline
▲ 0.50% · 4.625%
HK$136,213
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,786/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,601 · Scale 2, in force from 26 Feb 2026)