LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,350
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,259
−HK$1,939/mo
Today · 4.125%
HK$65,198
baseline
▲ 0.50% · 4.625%
HK$69,165
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,396/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,252
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,082
−HK$1,857/mo
Today · 4.125%
HK$71,939
baseline
▲ 0.50% · 4.625%
HK$75,731
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,878/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,620
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,910
−HK$2,327/mo
Today · 4.125%
HK$78,237
baseline
▲ 0.50% · 4.625%
HK$82,998
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,474/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,099
−HK$2,228/mo
Today · 4.125%
HK$86,327
baseline
▲ 0.50% · 4.625%
HK$90,877
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,654/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,890
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,562
−HK$2,715/mo
Today · 4.125%
HK$91,277
baseline
▲ 0.50% · 4.625%
HK$96,830
+HK$5,553/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,554/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,552
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,115
−HK$2,600/mo
Today · 4.125%
HK$100,715
baseline
▲ 0.50% · 4.625%
HK$106,023
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,430/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,431
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,866
−HK$3,490/mo
Today · 4.125%
HK$117,356
baseline
▲ 0.50% · 4.625%
HK$124,496
+HK$7,140/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,712/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,853
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,148
−HK$3,342/mo
Today · 4.125%
HK$129,490
baseline
▲ 0.50% · 4.625%
HK$136,316
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,980/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,463 · Scale 2, in force from 26 Feb 2026)