LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,076
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,976
−HK$1,930/mo
Today · 4.125%
HK$64,906
baseline
▲ 0.50% · 4.625%
HK$68,855
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,812/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,946
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,769
−HK$1,848/mo
Today · 4.125%
HK$71,617
baseline
▲ 0.50% · 4.625%
HK$75,392
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,234/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,571
−HK$2,316/mo
Today · 4.125%
HK$77,887
baseline
▲ 0.50% · 4.625%
HK$82,626
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,774/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,536
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,722
−HK$2,219/mo
Today · 4.125%
HK$85,941
baseline
▲ 0.50% · 4.625%
HK$90,471
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,882/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,506
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,166
−HK$2,702/mo
Today · 4.125%
HK$90,868
baseline
▲ 0.50% · 4.625%
HK$96,397
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,736/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,125
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,676
−HK$2,588/mo
Today · 4.125%
HK$100,264
baseline
▲ 0.50% · 4.625%
HK$105,549
+HK$5,285/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,528/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,937
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,356
−HK$3,475/mo
Today · 4.125%
HK$116,831
baseline
▲ 0.50% · 4.625%
HK$123,940
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,662/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,304
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,584
−HK$3,327/mo
Today · 4.125%
HK$128,911
baseline
▲ 0.50% · 4.625%
HK$135,706
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,822/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,350 · Scale 2, in force from 26 Feb 2026)