LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,100
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,931/mo
Today · 4.125%
HK$64,932
baseline
▲ 0.50% · 4.625%
HK$68,883
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,864/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,973
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,796
−HK$1,850/mo
Today · 4.125%
HK$71,646
baseline
▲ 0.50% · 4.625%
HK$75,422
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,292/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,320
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,601
−HK$2,317/mo
Today · 4.125%
HK$77,918
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,836/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,568
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,756
−HK$2,219/mo
Today · 4.125%
HK$85,975
baseline
▲ 0.50% · 4.625%
HK$90,507
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,950/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,540
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,201
−HK$2,703/mo
Today · 4.125%
HK$90,904
baseline
▲ 0.50% · 4.625%
HK$96,436
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,808/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,163
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,715
−HK$2,589/mo
Today · 4.125%
HK$100,304
baseline
▲ 0.50% · 4.625%
HK$105,591
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,608/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,980
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,401
−HK$3,476/mo
Today · 4.125%
HK$116,877
baseline
▲ 0.50% · 4.625%
HK$123,989
+HK$7,112/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,754/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,352
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,633
−HK$3,329/mo
Today · 4.125%
HK$128,962
baseline
▲ 0.50% · 4.625%
HK$135,760
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,924/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,800 · Scale 2, in force from 26 Feb 2026)