LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,038
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,936
−HK$1,929/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,904
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,725
−HK$1,847/mo
Today · 4.125%
HK$71,572
baseline
▲ 0.50% · 4.625%
HK$75,345
+HK$3,773/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,144/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,245
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,314/mo
Today · 4.125%
HK$77,838
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,676/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,485
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,670
−HK$2,217/mo
Today · 4.125%
HK$85,887
baseline
▲ 0.50% · 4.625%
HK$90,414
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,774/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,453
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,111
−HK$2,700/mo
Today · 4.125%
HK$90,811
baseline
▲ 0.50% · 4.625%
HK$96,337
+HK$5,526/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,622/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,065
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,615
−HK$2,586/mo
Today · 4.125%
HK$100,201
baseline
▲ 0.50% · 4.625%
HK$105,483
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,402/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,868
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,285
−HK$3,473/mo
Today · 4.125%
HK$116,758
baseline
▲ 0.50% · 4.625%
HK$123,862
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,516/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,227
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,505
−HK$3,325/mo
Today · 4.125%
HK$128,830
baseline
▲ 0.50% · 4.625%
HK$135,621
+HK$6,791/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,660/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,636 · Scale 2, in force from 26 Feb 2026)