LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,304
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,211
−HK$1,938/mo
Today · 4.125%
HK$65,149
baseline
▲ 0.50% · 4.625%
HK$69,113
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,298/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,201
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,030
−HK$1,855/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$14.59M (deposit + AVD stamp duty HK$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,565
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,854
−HK$2,325/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,935
+HK$4,756/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,841
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,036
−HK$2,226/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$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,826
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,496
−HK$2,712/mo
Today · 4.125%
HK$91,208
baseline
▲ 0.50% · 4.625%
HK$96,758
+HK$5,550/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$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,481
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,042
−HK$2,597/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$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,348
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,780
−HK$3,488/mo
Today · 4.125%
HK$117,268
baseline
▲ 0.50% · 4.625%
HK$124,403
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,536/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,761
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,053
−HK$3,340/mo
Today · 4.125%
HK$129,393
baseline
▲ 0.50% · 4.625%
HK$136,214
+HK$6,821/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$1,142,608 · Scale 2, in force from 26 Feb 2026)