LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,024
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,923
−HK$1,928/mo
Today · 4.125%
HK$64,851
baseline
▲ 0.50% · 4.625%
HK$68,797
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,702/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,889
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,710
−HK$1,847/mo
Today · 4.125%
HK$71,557
baseline
▲ 0.50% · 4.625%
HK$75,329
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,114/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,229
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,507
−HK$2,314/mo
Today · 4.125%
HK$77,821
baseline
▲ 0.50% · 4.625%
HK$82,557
+HK$4,736/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$155,642/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,467
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,652
−HK$2,216/mo
Today · 4.125%
HK$85,868
baseline
▲ 0.50% · 4.625%
HK$90,394
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$171,736/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,434
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,092
−HK$2,700/mo
Today · 4.125%
HK$90,792
baseline
▲ 0.50% · 4.625%
HK$96,316
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,584/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,045
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,594
−HK$2,585/mo
Today · 4.125%
HK$100,179
baseline
▲ 0.50% · 4.625%
HK$105,460
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,358/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,844
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,261
−HK$3,471/mo
Today · 4.125%
HK$116,732
baseline
▲ 0.50% · 4.625%
HK$123,835
+HK$7,103/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,464/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,200
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,477
−HK$3,325/mo
Today · 4.125%
HK$128,802
baseline
▲ 0.50% · 4.625%
HK$135,592
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,604/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,387 · Scale 2, in force from 26 Feb 2026)