LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,105
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,888
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$1,849/mo
Today · 4.125%
HK$71,651
baseline
▲ 0.50% · 4.625%
HK$75,428
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,302/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,607
−HK$2,317/mo
Today · 4.125%
HK$77,924
baseline
▲ 0.50% · 4.625%
HK$82,666
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,848/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,574
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,219/mo
Today · 4.125%
HK$85,981
baseline
▲ 0.50% · 4.625%
HK$90,514
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,962/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,547
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,208
−HK$2,703/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$96,443
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,170
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,722
−HK$2,590/mo
Today · 4.125%
HK$100,312
baseline
▲ 0.50% · 4.625%
HK$105,599
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,624/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,989
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,410
−HK$3,476/mo
Today · 4.125%
HK$116,886
baseline
▲ 0.50% · 4.625%
HK$123,998
+HK$7,112/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,772/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,361
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,643
−HK$3,329/mo
Today · 4.125%
HK$128,972
baseline
▲ 0.50% · 4.625%
HK$135,770
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,944/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,888 · Scale 2, in force from 26 Feb 2026)