LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,098
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,998
−HK$1,931/mo
Today · 4.125%
HK$64,929
baseline
▲ 0.50% · 4.625%
HK$68,880
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,858/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,970
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,793
−HK$1,850/mo
Today · 4.125%
HK$71,643
baseline
▲ 0.50% · 4.625%
HK$75,419
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,286/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,317
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,598
−HK$2,317/mo
Today · 4.125%
HK$77,915
baseline
▲ 0.50% · 4.625%
HK$82,656
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,830/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,565
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,752
−HK$2,219/mo
Today · 4.125%
HK$85,971
baseline
▲ 0.50% · 4.625%
HK$90,503
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,942/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,537
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,197
−HK$2,704/mo
Today · 4.125%
HK$90,901
baseline
▲ 0.50% · 4.625%
HK$96,432
+HK$5,531/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,802/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,159
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,711
−HK$2,589/mo
Today · 4.125%
HK$100,300
baseline
▲ 0.50% · 4.625%
HK$105,587
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,600/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,976
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,397
−HK$3,475/mo
Today · 4.125%
HK$116,872
baseline
▲ 0.50% · 4.625%
HK$123,984
+HK$7,112/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,744/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,347
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,628
−HK$3,329/mo
Today · 4.125%
HK$128,957
baseline
▲ 0.50% · 4.625%
HK$135,754
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,914/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,754 · Scale 2, in force from 26 Feb 2026)