LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,054
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,953
−HK$1,930/mo
Today · 4.125%
HK$64,883
baseline
▲ 0.50% · 4.625%
HK$68,831
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,766/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,922
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,744
−HK$1,848/mo
Today · 4.125%
HK$71,592
baseline
▲ 0.50% · 4.625%
HK$75,366
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,184/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,265
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,544
−HK$2,316/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$82,597
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,507
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,693
−HK$2,217/mo
Today · 4.125%
HK$85,910
baseline
▲ 0.50% · 4.625%
HK$90,439
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,820/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,476
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,135
−HK$2,701/mo
Today · 4.125%
HK$90,836
baseline
▲ 0.50% · 4.625%
HK$96,363
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,672/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,091
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,642
−HK$2,587/mo
Today · 4.125%
HK$100,229
baseline
▲ 0.50% · 4.625%
HK$105,512
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,458/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,898
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,316
−HK$3,473/mo
Today · 4.125%
HK$116,789
baseline
▲ 0.50% · 4.625%
HK$123,896
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,578/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,260
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,539
−HK$3,326/mo
Today · 4.125%
HK$128,865
baseline
▲ 0.50% · 4.625%
HK$135,658
+HK$6,793/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,946 · Scale 2, in force from 26 Feb 2026)