LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,086
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,987
−HK$1,930/mo
Today · 4.125%
HK$64,917
baseline
▲ 0.50% · 4.625%
HK$68,867
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,834/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,958
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,781
−HK$1,849/mo
Today · 4.125%
HK$71,630
baseline
▲ 0.50% · 4.625%
HK$75,405
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,260/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,304
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,584
−HK$2,317/mo
Today · 4.125%
HK$77,901
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,802/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,550
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,737
−HK$2,219/mo
Today · 4.125%
HK$85,956
baseline
▲ 0.50% · 4.625%
HK$90,486
+HK$4,530/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,912/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,521
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,181
−HK$2,703/mo
Today · 4.125%
HK$90,884
baseline
▲ 0.50% · 4.625%
HK$96,414
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,768/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,141
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,693
−HK$2,589/mo
Today · 4.125%
HK$100,282
baseline
▲ 0.50% · 4.625%
HK$105,568
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,564/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,956
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,376
−HK$3,475/mo
Today · 4.125%
HK$116,851
baseline
▲ 0.50% · 4.625%
HK$123,961
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,702/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,325
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,605
−HK$3,328/mo
Today · 4.125%
HK$128,933
baseline
▲ 0.50% · 4.625%
HK$135,730
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,866/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,546 · Scale 2, in force from 26 Feb 2026)