LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,003
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,900
−HK$1,928/mo
Today · 4.125%
HK$64,828
baseline
▲ 0.50% · 4.625%
HK$68,773
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,656/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,865
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,685
−HK$1,846/mo
Today · 4.125%
HK$71,531
baseline
▲ 0.50% · 4.625%
HK$75,302
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,062/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,203
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,314/mo
Today · 4.125%
HK$77,794
baseline
▲ 0.50% · 4.625%
HK$82,527
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,588/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,438
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,622
−HK$2,216/mo
Today · 4.125%
HK$85,838
baseline
▲ 0.50% · 4.625%
HK$90,362
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,676/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,404
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,060
−HK$2,699/mo
Today · 4.125%
HK$90,759
baseline
▲ 0.50% · 4.625%
HK$96,282
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,518/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,011
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,559
−HK$2,585/mo
Today · 4.125%
HK$100,144
baseline
▲ 0.50% · 4.625%
HK$105,423
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,288/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,805
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,220
−HK$3,471/mo
Today · 4.125%
HK$116,691
baseline
▲ 0.50% · 4.625%
HK$123,791
+HK$7,100/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,382/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,157
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,433
−HK$3,324/mo
Today · 4.125%
HK$128,757
baseline
▲ 0.50% · 4.625%
HK$135,544
+HK$6,787/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,514/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,985 · Scale 2, in force from 26 Feb 2026)