LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,110
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,010
−HK$1,932/mo
Today · 4.125%
HK$64,942
baseline
▲ 0.50% · 4.625%
HK$68,893
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,884/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,984
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,807
−HK$1,850/mo
Today · 4.125%
HK$71,657
baseline
▲ 0.50% · 4.625%
HK$75,434
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,314/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,331
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,613
−HK$2,317/mo
Today · 4.125%
HK$77,930
baseline
▲ 0.50% · 4.625%
HK$82,672
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,860/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,581
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,768
−HK$2,220/mo
Today · 4.125%
HK$85,988
baseline
▲ 0.50% · 4.625%
HK$90,521
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,976/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,553
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,215
−HK$2,703/mo
Today · 4.125%
HK$90,918
baseline
▲ 0.50% · 4.625%
HK$96,451
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,836/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,177
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,730
−HK$2,589/mo
Today · 4.125%
HK$100,319
baseline
▲ 0.50% · 4.625%
HK$105,607
+HK$5,288/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,638/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,997
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,419
−HK$3,476/mo
Today · 4.125%
HK$116,895
baseline
▲ 0.50% · 4.625%
HK$124,008
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,790/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,371
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,653
−HK$3,329/mo
Today · 4.125%
HK$128,982
baseline
▲ 0.50% · 4.625%
HK$135,781
+HK$6,799/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,964/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,976 · Scale 2, in force from 26 Feb 2026)