LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,004
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,901
−HK$1,928/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,866
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,686
−HK$1,847/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,303
+HK$3,770/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,482
−HK$2,313/mo
Today · 4.125%
HK$77,795
baseline
▲ 0.50% · 4.625%
HK$82,529
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,590/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,439
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,624
−HK$2,215/mo
Today · 4.125%
HK$85,839
baseline
▲ 0.50% · 4.625%
HK$90,364
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,678/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,405
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,062
−HK$2,699/mo
Today · 4.125%
HK$90,761
baseline
▲ 0.50% · 4.625%
HK$96,284
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,522/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,013
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,561
−HK$2,585/mo
Today · 4.125%
HK$100,146
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,292/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,807
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,223
−HK$3,470/mo
Today · 4.125%
HK$116,693
baseline
▲ 0.50% · 4.625%
HK$123,793
+HK$7,100/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,386/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,159
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,435
−HK$3,324/mo
Today · 4.125%
HK$128,759
baseline
▲ 0.50% · 4.625%
HK$135,546
+HK$6,787/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,518/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,007 · Scale 2, in force from 26 Feb 2026)