LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,355
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,939/mo
Today · 4.125%
HK$65,203
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,406/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,257
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$1,857/mo
Today · 4.125%
HK$71,945
baseline
▲ 0.50% · 4.625%
HK$75,737
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,890/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,627
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,917
−HK$2,327/mo
Today · 4.125%
HK$78,244
baseline
▲ 0.50% · 4.625%
HK$83,005
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,488/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,909
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,106
−HK$2,228/mo
Today · 4.125%
HK$86,334
baseline
▲ 0.50% · 4.625%
HK$90,885
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,668/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,898
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,570
−HK$2,714/mo
Today · 4.125%
HK$91,284
baseline
▲ 0.50% · 4.625%
HK$96,839
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,568/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,560
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,123
−HK$2,600/mo
Today · 4.125%
HK$100,723
baseline
▲ 0.50% · 4.625%
HK$106,032
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,446/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,440
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,875
−HK$3,490/mo
Today · 4.125%
HK$117,365
baseline
▲ 0.50% · 4.625%
HK$124,507
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,730/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,863
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,158
−HK$3,343/mo
Today · 4.125%
HK$129,501
baseline
▲ 0.50% · 4.625%
HK$136,327
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,560 · Scale 2, in force from 26 Feb 2026)