LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,324
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,938/mo
Today · 4.125%
HK$65,169
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,966/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,338/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,222
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$1,856/mo
Today · 4.125%
HK$71,908
baseline
▲ 0.50% · 4.625%
HK$75,698
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,816/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,878
−HK$2,325/mo
Today · 4.125%
HK$78,203
baseline
▲ 0.50% · 4.625%
HK$82,962
+HK$4,759/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,406/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,867
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,062
−HK$2,228/mo
Today · 4.125%
HK$86,290
baseline
▲ 0.50% · 4.625%
HK$90,838
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,580/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,853
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,524
−HK$2,713/mo
Today · 4.125%
HK$91,237
baseline
▲ 0.50% · 4.625%
HK$96,789
+HK$5,552/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,474/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,511
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,073
−HK$2,598/mo
Today · 4.125%
HK$100,671
baseline
▲ 0.50% · 4.625%
HK$105,978
+HK$5,307/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,342/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,383
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,817
−HK$3,488/mo
Today · 4.125%
HK$117,305
baseline
▲ 0.50% · 4.625%
HK$124,443
+HK$7,138/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,610/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,800
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,093
−HK$3,342/mo
Today · 4.125%
HK$129,435
baseline
▲ 0.50% · 4.625%
HK$136,257
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,870/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,971 · Scale 2, in force from 26 Feb 2026)