LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,028
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,929/mo
Today · 4.125%
HK$64,855
baseline
▲ 0.50% · 4.625%
HK$68,801
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,710/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,893
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,714
−HK$1,847/mo
Today · 4.125%
HK$71,561
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,122/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,233
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,511
−HK$2,315/mo
Today · 4.125%
HK$77,826
baseline
▲ 0.50% · 4.625%
HK$82,561
+HK$4,735/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,652/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,471
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,656
−HK$2,217/mo
Today · 4.125%
HK$85,873
baseline
▲ 0.50% · 4.625%
HK$90,399
+HK$4,526/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,746/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,439
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,096
−HK$2,701/mo
Today · 4.125%
HK$90,797
baseline
▲ 0.50% · 4.625%
HK$96,321
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,594/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,050
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,599
−HK$2,586/mo
Today · 4.125%
HK$100,185
baseline
▲ 0.50% · 4.625%
HK$105,466
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,370/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,850
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,267
−HK$3,471/mo
Today · 4.125%
HK$116,738
baseline
▲ 0.50% · 4.625%
HK$123,842
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,476/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,207
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,484
−HK$3,325/mo
Today · 4.125%
HK$128,809
baseline
▲ 0.50% · 4.625%
HK$135,599
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,618/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,451 · Scale 2, in force from 26 Feb 2026)