LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,317
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,224
−HK$1,938/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,214
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,043
−HK$1,856/mo
Today · 4.125%
HK$71,899
baseline
▲ 0.50% · 4.625%
HK$75,689
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,798/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,580
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,325/mo
Today · 4.125%
HK$78,194
baseline
▲ 0.50% · 4.625%
HK$82,952
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,388/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,857
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,052
−HK$2,227/mo
Today · 4.125%
HK$86,279
baseline
▲ 0.50% · 4.625%
HK$90,827
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,558/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,843
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,513
−HK$2,713/mo
Today · 4.125%
HK$91,226
baseline
▲ 0.50% · 4.625%
HK$96,777
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,452/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,500
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,061
−HK$2,598/mo
Today · 4.125%
HK$100,659
baseline
▲ 0.50% · 4.625%
HK$105,965
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,318/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,370
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,803
−HK$3,488/mo
Today · 4.125%
HK$117,291
baseline
▲ 0.50% · 4.625%
HK$124,428
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,582/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,785
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,078
−HK$3,341/mo
Today · 4.125%
HK$129,419
baseline
▲ 0.50% · 4.625%
HK$136,241
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,838/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,833 · Scale 2, in force from 26 Feb 2026)