LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,114
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,932/mo
Today · 4.125%
HK$64,947
baseline
▲ 0.50% · 4.625%
HK$68,899
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,894/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,989
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,813
−HK$1,849/mo
Today · 4.125%
HK$71,662
baseline
▲ 0.50% · 4.625%
HK$75,440
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,324/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,337
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,317/mo
Today · 4.125%
HK$77,936
baseline
▲ 0.50% · 4.625%
HK$82,678
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,872/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,587
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,775
−HK$2,220/mo
Today · 4.125%
HK$85,995
baseline
▲ 0.50% · 4.625%
HK$90,528
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,990/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,560
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,222
−HK$2,704/mo
Today · 4.125%
HK$90,926
baseline
▲ 0.50% · 4.625%
HK$96,458
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,852/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,185
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,738
−HK$2,589/mo
Today · 4.125%
HK$100,327
baseline
▲ 0.50% · 4.625%
HK$105,616
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,654/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,006
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,428
−HK$3,476/mo
Today · 4.125%
HK$116,904
baseline
▲ 0.50% · 4.625%
HK$124,018
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,808/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,381
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,663
−HK$3,329/mo
Today · 4.125%
HK$128,992
baseline
▲ 0.50% · 4.625%
HK$135,792
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,984/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,067 · Scale 2, in force from 26 Feb 2026)