LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,007
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,905
−HK$1,928/mo
Today · 4.125%
HK$64,833
baseline
▲ 0.50% · 4.625%
HK$68,777
+HK$3,944/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,666/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,870
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,690
−HK$1,846/mo
Today · 4.125%
HK$71,536
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,072/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,208
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,485
−HK$2,314/mo
Today · 4.125%
HK$77,799
baseline
▲ 0.50% · 4.625%
HK$82,533
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,598/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,443
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,628
−HK$2,216/mo
Today · 4.125%
HK$85,844
baseline
▲ 0.50% · 4.625%
HK$90,369
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,688/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,410
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,066
−HK$2,700/mo
Today · 4.125%
HK$90,766
baseline
▲ 0.50% · 4.625%
HK$96,288
+HK$5,522/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,532/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,017
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,566
−HK$2,585/mo
Today · 4.125%
HK$100,151
baseline
▲ 0.50% · 4.625%
HK$105,430
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,302/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,812
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,228
−HK$3,471/mo
Today · 4.125%
HK$116,699
baseline
▲ 0.50% · 4.625%
HK$123,799
+HK$7,100/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,398/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,165
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,442
−HK$3,323/mo
Today · 4.125%
HK$128,765
baseline
▲ 0.50% · 4.625%
HK$135,553
+HK$6,788/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,530/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,063 · Scale 2, in force from 26 Feb 2026)