LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,069
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,968
−HK$1,930/mo
Today · 4.125%
HK$64,898
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,796/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,938
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,760
−HK$1,849/mo
Today · 4.125%
HK$71,609
baseline
▲ 0.50% · 4.625%
HK$75,383
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,218/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,282
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,562
−HK$2,316/mo
Today · 4.125%
HK$77,878
baseline
▲ 0.50% · 4.625%
HK$82,617
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,756/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,526
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,712
−HK$2,219/mo
Today · 4.125%
HK$85,931
baseline
▲ 0.50% · 4.625%
HK$90,460
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,862/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,496
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,702/mo
Today · 4.125%
HK$90,858
baseline
▲ 0.50% · 4.625%
HK$96,386
+HK$5,528/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,716/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,114
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,664
−HK$2,588/mo
Today · 4.125%
HK$100,252
baseline
▲ 0.50% · 4.625%
HK$105,537
+HK$5,285/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,504/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,924
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,343
−HK$3,474/mo
Today · 4.125%
HK$116,817
baseline
▲ 0.50% · 4.625%
HK$123,925
+HK$7,108/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,634/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,289
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,569
−HK$3,327/mo
Today · 4.125%
HK$128,896
baseline
▲ 0.50% · 4.625%
HK$135,690
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,792/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,214 · Scale 2, in force from 26 Feb 2026)