LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,941
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,868
−HK$1,958/mo
Today · 4.125%
HK$65,826
baseline
▲ 0.50% · 4.625%
HK$69,831
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,652/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,909
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,757
−HK$1,875/mo
Today · 4.125%
HK$72,632
baseline
▲ 0.50% · 4.625%
HK$76,461
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,264/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,330
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,642
−HK$2,349/mo
Today · 4.125%
HK$78,991
baseline
▲ 0.50% · 4.625%
HK$83,797
+HK$4,806/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,982/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,691
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,909
−HK$2,250/mo
Today · 4.125%
HK$87,159
baseline
▲ 0.50% · 4.625%
HK$91,753
+HK$4,594/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,318/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,718
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,416
−HK$2,740/mo
Today · 4.125%
HK$92,156
baseline
▲ 0.50% · 4.625%
HK$97,764
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,312/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,473
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,060
−HK$2,625/mo
Today · 4.125%
HK$101,685
baseline
▲ 0.50% · 4.625%
HK$107,045
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,370/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,495
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,963
−HK$3,523/mo
Today · 4.125%
HK$118,486
baseline
▲ 0.50% · 4.625%
HK$125,696
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,972/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,037
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,363
−HK$3,375/mo
Today · 4.125%
HK$130,738
baseline
▲ 0.50% · 4.625%
HK$137,629
+HK$6,891/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,476/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,482 · Scale 2, in force from 26 Feb 2026)