LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,106
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,952/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$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$1,849/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$75,429
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,327
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,608
−HK$2,317/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,667
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,575
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,763
−HK$2,220/mo
Today · 4.125%
HK$85,983
baseline
▲ 0.50% · 4.625%
HK$90,515
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,966/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,548
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,209
−HK$2,703/mo
Today · 4.125%
HK$90,912
baseline
▲ 0.50% · 4.625%
HK$96,444
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,824/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,171
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,724
−HK$2,589/mo
Today · 4.125%
HK$100,313
baseline
▲ 0.50% · 4.625%
HK$105,601
+HK$5,288/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,626/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,990
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,411
−HK$3,476/mo
Today · 4.125%
HK$116,887
baseline
▲ 0.50% · 4.625%
HK$124,000
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,774/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,363
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,645
−HK$3,329/mo
Today · 4.125%
HK$128,974
baseline
▲ 0.50% · 4.625%
HK$135,772
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,948/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,902 · Scale 2, in force from 26 Feb 2026)