LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,306
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,937/mo
Today · 4.125%
HK$65,150
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,300/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,031
−HK$1,856/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,567
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,855
−HK$2,325/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,937
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,843
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,038
−HK$2,226/mo
Today · 4.125%
HK$86,264
baseline
▲ 0.50% · 4.625%
HK$90,811
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,528/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,828
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,498
−HK$2,712/mo
Today · 4.125%
HK$91,210
baseline
▲ 0.50% · 4.625%
HK$96,760
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,420/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,483
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,044
−HK$2,598/mo
Today · 4.125%
HK$100,642
baseline
▲ 0.50% · 4.625%
HK$105,947
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,284/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,351
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,783
−HK$3,487/mo
Today · 4.125%
HK$117,270
baseline
▲ 0.50% · 4.625%
HK$124,406
+HK$7,136/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,540/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,764
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,056
−HK$3,340/mo
Today · 4.125%
HK$129,396
baseline
▲ 0.50% · 4.625%
HK$136,217
+HK$6,821/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,792/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,635 · Scale 2, in force from 26 Feb 2026)