LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,093
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,931/mo
Today · 4.125%
HK$64,924
baseline
▲ 0.50% · 4.625%
HK$68,875
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,848/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,965
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,788
−HK$1,849/mo
Today · 4.125%
HK$71,637
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,274/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,592
−HK$2,317/mo
Today · 4.125%
HK$77,909
baseline
▲ 0.50% · 4.625%
HK$82,649
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,818/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,558
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,746
−HK$2,219/mo
Today · 4.125%
HK$85,965
baseline
▲ 0.50% · 4.625%
HK$90,496
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,930/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,530
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,191
−HK$2,703/mo
Today · 4.125%
HK$90,894
baseline
▲ 0.50% · 4.625%
HK$96,424
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,788/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,151
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,703
−HK$2,589/mo
Today · 4.125%
HK$100,292
baseline
▲ 0.50% · 4.625%
HK$105,579
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,584/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,967
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,388
−HK$3,475/mo
Today · 4.125%
HK$116,863
baseline
▲ 0.50% · 4.625%
HK$123,974
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,726/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,338
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,619
−HK$3,328/mo
Today · 4.125%
HK$128,947
baseline
▲ 0.50% · 4.625%
HK$135,744
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,894/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,667 · Scale 2, in force from 26 Feb 2026)