LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,064
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,963
−HK$1,930/mo
Today · 4.125%
HK$64,893
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,786/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,933
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,755
−HK$1,848/mo
Today · 4.125%
HK$71,603
baseline
▲ 0.50% · 4.625%
HK$75,378
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,206/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,277
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,556
−HK$2,316/mo
Today · 4.125%
HK$77,872
baseline
▲ 0.50% · 4.625%
HK$82,610
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,744/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,520
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,706
−HK$2,218/mo
Today · 4.125%
HK$85,924
baseline
▲ 0.50% · 4.625%
HK$90,453
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,848/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,490
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,149
−HK$2,701/mo
Today · 4.125%
HK$90,850
baseline
▲ 0.50% · 4.625%
HK$96,379
+HK$5,529/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,700/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,106
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,657
−HK$2,588/mo
Today · 4.125%
HK$100,245
baseline
▲ 0.50% · 4.625%
HK$105,529
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,490/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,915
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,334
−HK$3,474/mo
Today · 4.125%
HK$116,808
baseline
▲ 0.50% · 4.625%
HK$123,915
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,616/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,279
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,559
−HK$3,327/mo
Today · 4.125%
HK$128,886
baseline
▲ 0.50% · 4.625%
HK$135,680
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,772/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,126 · Scale 2, in force from 26 Feb 2026)