LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,051
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,950
−HK$1,929/mo
Today · 4.125%
HK$64,879
baseline
▲ 0.50% · 4.625%
HK$68,827
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,758/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,918
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,740
−HK$1,848/mo
Today · 4.125%
HK$71,588
baseline
▲ 0.50% · 4.625%
HK$75,361
+HK$3,773/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,176/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,261
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,540
−HK$2,315/mo
Today · 4.125%
HK$77,855
baseline
▲ 0.50% · 4.625%
HK$82,592
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,710/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,502
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,688
−HK$2,217/mo
Today · 4.125%
HK$85,905
baseline
▲ 0.50% · 4.625%
HK$90,433
+HK$4,528/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,810/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,130
−HK$2,701/mo
Today · 4.125%
HK$90,831
baseline
▲ 0.50% · 4.625%
HK$96,358
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,662/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,086
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,636
−HK$2,587/mo
Today · 4.125%
HK$100,223
baseline
▲ 0.50% · 4.625%
HK$105,506
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,446/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,891
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,309
−HK$3,473/mo
Today · 4.125%
HK$116,782
baseline
▲ 0.50% · 4.625%
HK$123,888
+HK$7,106/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,564/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,253
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,532
−HK$3,326/mo
Today · 4.125%
HK$128,858
baseline
▲ 0.50% · 4.625%
HK$135,650
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,716/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,879 · Scale 2, in force from 26 Feb 2026)