LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,043
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,929/mo
Today · 4.125%
HK$64,871
baseline
▲ 0.50% · 4.625%
HK$68,818
+HK$3,947/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,742/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,910
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,731
−HK$1,848/mo
Today · 4.125%
HK$71,579
baseline
▲ 0.50% · 4.625%
HK$75,352
+HK$3,773/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,158/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,252
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,530
−HK$2,315/mo
Today · 4.125%
HK$77,845
baseline
▲ 0.50% · 4.625%
HK$82,582
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,690/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,492
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,677
−HK$2,218/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$90,422
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,460
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,119
−HK$2,700/mo
Today · 4.125%
HK$90,819
baseline
▲ 0.50% · 4.625%
HK$96,346
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,638/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,074
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,624
−HK$2,586/mo
Today · 4.125%
HK$100,210
baseline
▲ 0.50% · 4.625%
HK$105,493
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,420/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,878
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,295
−HK$3,473/mo
Today · 4.125%
HK$116,768
baseline
▲ 0.50% · 4.625%
HK$123,873
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,238
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,516
−HK$3,326/mo
Today · 4.125%
HK$128,842
baseline
▲ 0.50% · 4.625%
HK$135,633
+HK$6,791/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,684/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,737 · Scale 2, in force from 26 Feb 2026)