LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,008
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,928/mo
Today · 4.125%
HK$64,834
baseline
▲ 0.50% · 4.625%
HK$68,779
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,668/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,871
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,691
−HK$1,847/mo
Today · 4.125%
HK$71,538
baseline
▲ 0.50% · 4.625%
HK$75,308
+HK$3,770/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,076/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,210
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,487
−HK$2,313/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$82,534
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,445
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,629
−HK$2,216/mo
Today · 4.125%
HK$85,845
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,690/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,411
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,068
−HK$2,699/mo
Today · 4.125%
HK$90,767
baseline
▲ 0.50% · 4.625%
HK$96,290
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,534/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,019
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,567
−HK$2,586/mo
Today · 4.125%
HK$100,153
baseline
▲ 0.50% · 4.625%
HK$105,432
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,306/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,814
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,230
−HK$3,471/mo
Today · 4.125%
HK$116,701
baseline
▲ 0.50% · 4.625%
HK$123,802
+HK$7,101/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,402/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,167
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,444
−HK$3,324/mo
Today · 4.125%
HK$128,768
baseline
▲ 0.50% · 4.625%
HK$135,555
+HK$6,787/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,083 · Scale 2, in force from 26 Feb 2026)