LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,015
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,912
−HK$1,929/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,786
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,878
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,698
−HK$1,847/mo
Today · 4.125%
HK$71,545
baseline
▲ 0.50% · 4.625%
HK$75,317
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,090/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,217
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,495
−HK$2,314/mo
Today · 4.125%
HK$77,809
baseline
▲ 0.50% · 4.625%
HK$82,543
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,618/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,454
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,638
−HK$2,216/mo
Today · 4.125%
HK$85,854
baseline
▲ 0.50% · 4.625%
HK$90,380
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,708/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,420
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,077
−HK$2,700/mo
Today · 4.125%
HK$90,777
baseline
▲ 0.50% · 4.625%
HK$96,300
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,554/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,029
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,578
−HK$2,585/mo
Today · 4.125%
HK$100,163
baseline
▲ 0.50% · 4.625%
HK$105,443
+HK$5,280/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,326/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,826
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,242
−HK$3,471/mo
Today · 4.125%
HK$116,713
baseline
▲ 0.50% · 4.625%
HK$123,815
+HK$7,102/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,426/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,180
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,457
−HK$3,324/mo
Today · 4.125%
HK$128,781
baseline
▲ 0.50% · 4.625%
HK$135,570
+HK$6,789/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,562/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,204 · Scale 2, in force from 26 Feb 2026)