LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,089
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,989
−HK$1,931/mo
Today · 4.125%
HK$64,920
baseline
▲ 0.50% · 4.625%
HK$68,870
+HK$3,950/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,840/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,961
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,784
−HK$1,849/mo
Today · 4.125%
HK$71,633
baseline
▲ 0.50% · 4.625%
HK$75,408
+HK$3,775/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,266/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,307
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,587
−HK$2,317/mo
Today · 4.125%
HK$77,904
baseline
▲ 0.50% · 4.625%
HK$82,644
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,808/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,553
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,740
−HK$2,219/mo
Today · 4.125%
HK$85,959
baseline
▲ 0.50% · 4.625%
HK$90,490
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,918/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,525
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,185
−HK$2,703/mo
Today · 4.125%
HK$90,888
baseline
▲ 0.50% · 4.625%
HK$96,418
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,776/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,145
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,697
−HK$2,589/mo
Today · 4.125%
HK$100,286
baseline
▲ 0.50% · 4.625%
HK$105,572
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,572/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,960
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,381
−HK$3,475/mo
Today · 4.125%
HK$116,856
baseline
▲ 0.50% · 4.625%
HK$123,966
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,712/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,330
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,610
−HK$3,329/mo
Today · 4.125%
HK$128,939
baseline
▲ 0.50% · 4.625%
HK$135,735
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,878/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,593 · Scale 2, in force from 26 Feb 2026)