LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,110
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,011
−HK$1,932/mo
Today · 4.125%
HK$64,943
baseline
▲ 0.50% · 4.625%
HK$68,894
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,886/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,985
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,808
−HK$1,850/mo
Today · 4.125%
HK$71,658
baseline
▲ 0.50% · 4.625%
HK$75,435
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,316/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,333
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,614
−HK$2,317/mo
Today · 4.125%
HK$77,931
baseline
▲ 0.50% · 4.625%
HK$82,673
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,862/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,582
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,770
−HK$2,219/mo
Today · 4.125%
HK$85,989
baseline
▲ 0.50% · 4.625%
HK$90,522
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,978/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,555
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,216
−HK$2,704/mo
Today · 4.125%
HK$90,920
baseline
▲ 0.50% · 4.625%
HK$96,452
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,840/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,179
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,731
−HK$2,590/mo
Today · 4.125%
HK$100,321
baseline
▲ 0.50% · 4.625%
HK$105,609
+HK$5,288/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,642/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,999
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,420
−HK$3,477/mo
Today · 4.125%
HK$116,897
baseline
▲ 0.50% · 4.625%
HK$124,010
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,794/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,373
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,655
−HK$3,329/mo
Today · 4.125%
HK$128,984
baseline
▲ 0.50% · 4.625%
HK$135,783
+HK$6,799/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,968/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,993 · Scale 2, in force from 26 Feb 2026)