LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,094
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,931/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$1,850/mo
Today · 4.125%
HK$71,639
baseline
▲ 0.50% · 4.625%
HK$75,415
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,278/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,313
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,317/mo
Today · 4.125%
HK$77,910
baseline
▲ 0.50% · 4.625%
HK$82,651
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,820/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,560
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,747
−HK$2,219/mo
Today · 4.125%
HK$85,966
baseline
▲ 0.50% · 4.625%
HK$90,498
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,932/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,532
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,192
−HK$2,703/mo
Today · 4.125%
HK$90,895
baseline
▲ 0.50% · 4.625%
HK$96,426
+HK$5,531/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,790/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,153
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,705
−HK$2,589/mo
Today · 4.125%
HK$100,294
baseline
▲ 0.50% · 4.625%
HK$105,581
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,588/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,969
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,390
−HK$3,475/mo
Today · 4.125%
HK$116,865
baseline
▲ 0.50% · 4.625%
HK$123,976
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,340
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,621
−HK$3,328/mo
Today · 4.125%
HK$128,949
baseline
▲ 0.50% · 4.625%
HK$135,747
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,898/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,688 · Scale 2, in force from 26 Feb 2026)