LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,031
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,929
−HK$1,929/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,717
−HK$1,847/mo
Today · 4.125%
HK$71,564
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,128/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,314/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,475
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,660
−HK$2,217/mo
Today · 4.125%
HK$85,877
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,754/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,443
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,101
−HK$2,700/mo
Today · 4.125%
HK$90,801
baseline
▲ 0.50% · 4.625%
HK$96,326
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,602/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,054
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,604
−HK$2,586/mo
Today · 4.125%
HK$100,190
baseline
▲ 0.50% · 4.625%
HK$105,471
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,380/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,855
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,272
−HK$3,472/mo
Today · 4.125%
HK$116,744
baseline
▲ 0.50% · 4.625%
HK$123,848
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,488/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,213
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,490
−HK$3,325/mo
Today · 4.125%
HK$128,815
baseline
▲ 0.50% · 4.625%
HK$135,606
+HK$6,791/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,630/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,504 · Scale 2, in force from 26 Feb 2026)