LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,099
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,999
−HK$1,931/mo
Today · 4.125%
HK$64,930
baseline
▲ 0.50% · 4.625%
HK$68,881
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,860/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,795
−HK$1,849/mo
Today · 4.125%
HK$71,644
baseline
▲ 0.50% · 4.625%
HK$75,420
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,288/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,318
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,599
−HK$2,317/mo
Today · 4.125%
HK$77,916
baseline
▲ 0.50% · 4.625%
HK$82,657
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,832/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,566
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,754
−HK$2,219/mo
Today · 4.125%
HK$85,973
baseline
▲ 0.50% · 4.625%
HK$90,504
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,946/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,538
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,199
−HK$2,703/mo
Today · 4.125%
HK$90,902
baseline
▲ 0.50% · 4.625%
HK$96,433
+HK$5,531/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,804/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,160
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,712
−HK$2,590/mo
Today · 4.125%
HK$100,302
baseline
▲ 0.50% · 4.625%
HK$105,589
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,604/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,978
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,399
−HK$3,475/mo
Today · 4.125%
HK$116,874
baseline
▲ 0.50% · 4.625%
HK$123,986
+HK$7,112/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,748/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,349
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,630
−HK$3,329/mo
Today · 4.125%
HK$128,959
baseline
▲ 0.50% · 4.625%
HK$135,757
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,918/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,773 · Scale 2, in force from 26 Feb 2026)