LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,112
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,013
−HK$1,931/mo
Today · 4.125%
HK$64,944
baseline
▲ 0.50% · 4.625%
HK$68,896
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,888/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,986
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,810
−HK$1,849/mo
Today · 4.125%
HK$71,659
baseline
▲ 0.50% · 4.625%
HK$75,436
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,318/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,615
−HK$2,318/mo
Today · 4.125%
HK$77,933
baseline
▲ 0.50% · 4.625%
HK$82,675
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,866/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,583
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,771
−HK$2,220/mo
Today · 4.125%
HK$85,991
baseline
▲ 0.50% · 4.625%
HK$90,524
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,982/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,556
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,218
−HK$2,704/mo
Today · 4.125%
HK$90,922
baseline
▲ 0.50% · 4.625%
HK$96,454
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,844/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,181
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,733
−HK$2,590/mo
Today · 4.125%
HK$100,323
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$5,288/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,646/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,001
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,423
−HK$3,476/mo
Today · 4.125%
HK$116,899
baseline
▲ 0.50% · 4.625%
HK$124,012
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,798/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,375
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,657
−HK$3,330/mo
Today · 4.125%
HK$128,987
baseline
▲ 0.50% · 4.625%
HK$135,786
+HK$6,799/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,974/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,016 · Scale 2, in force from 26 Feb 2026)