LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,072
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,971
−HK$1,930/mo
Today · 4.125%
HK$64,901
baseline
▲ 0.50% · 4.625%
HK$68,850
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,802/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,942
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,764
−HK$1,848/mo
Today · 4.125%
HK$71,612
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,224/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,286
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,566
−HK$2,316/mo
Today · 4.125%
HK$77,882
baseline
▲ 0.50% · 4.625%
HK$82,620
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,764/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,530
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,716
−HK$2,219/mo
Today · 4.125%
HK$85,935
baseline
▲ 0.50% · 4.625%
HK$90,464
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,870/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,500
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,160
−HK$2,702/mo
Today · 4.125%
HK$90,862
baseline
▲ 0.50% · 4.625%
HK$96,391
+HK$5,529/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,724/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,118
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,669
−HK$2,588/mo
Today · 4.125%
HK$100,257
baseline
▲ 0.50% · 4.625%
HK$105,542
+HK$5,285/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,514/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,929
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,348
−HK$3,474/mo
Today · 4.125%
HK$116,822
baseline
▲ 0.50% · 4.625%
HK$123,931
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,644/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,295
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,575
−HK$3,327/mo
Today · 4.125%
HK$128,902
baseline
▲ 0.50% · 4.625%
HK$135,697
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,804/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,268 · Scale 2, in force from 26 Feb 2026)