LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,092
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,930/mo
Today · 4.125%
HK$64,923
baseline
▲ 0.50% · 4.625%
HK$68,874
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,846/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,964
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,787
−HK$1,849/mo
Today · 4.125%
HK$71,636
baseline
▲ 0.50% · 4.625%
HK$75,412
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,272/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,311
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,591
−HK$2,317/mo
Today · 4.125%
HK$77,908
baseline
▲ 0.50% · 4.625%
HK$82,648
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,816/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,557
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,745
−HK$2,219/mo
Today · 4.125%
HK$85,964
baseline
▲ 0.50% · 4.625%
HK$90,495
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,928/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,529
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,190
−HK$2,703/mo
Today · 4.125%
HK$90,893
baseline
▲ 0.50% · 4.625%
HK$96,423
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,786/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,150
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,702
−HK$2,589/mo
Today · 4.125%
HK$100,291
baseline
▲ 0.50% · 4.625%
HK$105,577
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,582/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,966
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,387
−HK$3,475/mo
Today · 4.125%
HK$116,862
baseline
▲ 0.50% · 4.625%
HK$123,973
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,724/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,336
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,617
−HK$3,329/mo
Today · 4.125%
HK$128,946
baseline
▲ 0.50% · 4.625%
HK$135,742
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,892/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,653 · Scale 2, in force from 26 Feb 2026)