LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,091
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,992
−HK$1,930/mo
Today · 4.125%
HK$64,922
baseline
▲ 0.50% · 4.625%
HK$68,873
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,844/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,964
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,786
−HK$1,849/mo
Today · 4.125%
HK$71,635
baseline
▲ 0.50% · 4.625%
HK$75,411
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,270/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,310
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,590
−HK$2,317/mo
Today · 4.125%
HK$77,907
baseline
▲ 0.50% · 4.625%
HK$82,647
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,814/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,556
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,744
−HK$2,219/mo
Today · 4.125%
HK$85,963
baseline
▲ 0.50% · 4.625%
HK$90,494
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,926/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,528
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,188
−HK$2,703/mo
Today · 4.125%
HK$90,891
baseline
▲ 0.50% · 4.625%
HK$96,422
+HK$5,531/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,782/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,149
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,701
−HK$2,589/mo
Today · 4.125%
HK$100,290
baseline
▲ 0.50% · 4.625%
HK$105,576
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,580/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,965
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,385
−HK$3,475/mo
Today · 4.125%
HK$116,860
baseline
▲ 0.50% · 4.625%
HK$123,971
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,720/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,334
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,615
−HK$3,329/mo
Today · 4.125%
HK$128,944
baseline
▲ 0.50% · 4.625%
HK$135,741
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,888/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,638 · Scale 2, in force from 26 Feb 2026)