LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,027
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,925
−HK$1,929/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,800
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$1,847/mo
Today · 4.125%
HK$71,560
baseline
▲ 0.50% · 4.625%
HK$75,332
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,120/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,233
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,510
−HK$2,315/mo
Today · 4.125%
HK$77,825
baseline
▲ 0.50% · 4.625%
HK$82,560
+HK$4,735/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,650/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,470
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,655
−HK$2,217/mo
Today · 4.125%
HK$85,872
baseline
▲ 0.50% · 4.625%
HK$90,398
+HK$4,526/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,744/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,438
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,096
−HK$2,700/mo
Today · 4.125%
HK$90,796
baseline
▲ 0.50% · 4.625%
HK$96,320
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,592/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,049
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,598
−HK$2,586/mo
Today · 4.125%
HK$100,184
baseline
▲ 0.50% · 4.625%
HK$105,465
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,368/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,849
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,266
−HK$3,471/mo
Today · 4.125%
HK$116,737
baseline
▲ 0.50% · 4.625%
HK$123,840
+HK$7,103/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,474/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,206
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,483
−HK$3,325/mo
Today · 4.125%
HK$128,808
baseline
▲ 0.50% · 4.625%
HK$135,598
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,616/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,439 · Scale 2, in force from 26 Feb 2026)