LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,320
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,227
−HK$1,938/mo
Today · 4.125%
HK$65,165
baseline
▲ 0.50% · 4.625%
HK$69,130
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,330/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,217
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,047
−HK$1,856/mo
Today · 4.125%
HK$71,903
baseline
▲ 0.50% · 4.625%
HK$75,693
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,806/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,584
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,872
−HK$2,326/mo
Today · 4.125%
HK$78,198
baseline
▲ 0.50% · 4.625%
HK$82,956
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,396/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,861
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,056
−HK$2,228/mo
Today · 4.125%
HK$86,284
baseline
▲ 0.50% · 4.625%
HK$90,832
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,568/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,518
−HK$2,713/mo
Today · 4.125%
HK$91,231
baseline
▲ 0.50% · 4.625%
HK$96,782
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,462/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,504
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,066
−HK$2,598/mo
Today · 4.125%
HK$100,664
baseline
▲ 0.50% · 4.625%
HK$105,970
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,328/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,375
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,809
−HK$3,488/mo
Today · 4.125%
HK$117,297
baseline
▲ 0.50% · 4.625%
HK$124,434
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,594/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,791
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,085
−HK$3,340/mo
Today · 4.125%
HK$129,425
baseline
▲ 0.50% · 4.625%
HK$136,248
+HK$6,823/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,850/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,891 · Scale 2, in force from 26 Feb 2026)