LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,069
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,969
−HK$1,930/mo
Today · 4.125%
HK$64,899
baseline
▲ 0.50% · 4.625%
HK$68,848
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,798/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,939
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,761
−HK$1,848/mo
Today · 4.125%
HK$71,609
baseline
▲ 0.50% · 4.625%
HK$75,384
+HK$3,775/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$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,283
−HK$4,595/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$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,526
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,713
−HK$2,218/mo
Today · 4.125%
HK$85,931
baseline
▲ 0.50% · 4.625%
HK$90,461
+HK$4,530/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$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,497
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,702/mo
Today · 4.125%
HK$90,858
baseline
▲ 0.50% · 4.625%
HK$96,387
+HK$5,529/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$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,114
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,665
−HK$2,588/mo
Today · 4.125%
HK$100,253
baseline
▲ 0.50% · 4.625%
HK$105,537
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,506/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,924
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,344
−HK$3,474/mo
Today · 4.125%
HK$116,818
baseline
▲ 0.50% · 4.625%
HK$123,926
+HK$7,108/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,636/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,290
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,569
−HK$3,328/mo
Today · 4.125%
HK$128,897
baseline
▲ 0.50% · 4.625%
HK$135,691
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,794/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,222 · Scale 2, in force from 26 Feb 2026)