LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,116
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,017
−HK$1,931/mo
Today · 4.125%
HK$64,948
baseline
▲ 0.50% · 4.625%
HK$68,900
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,896/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,991
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,814
−HK$1,850/mo
Today · 4.125%
HK$71,664
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,328/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,339
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,318/mo
Today · 4.125%
HK$77,938
baseline
▲ 0.50% · 4.625%
HK$82,680
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,876/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,777
−HK$2,220/mo
Today · 4.125%
HK$85,997
baseline
▲ 0.50% · 4.625%
HK$90,530
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,994/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,562
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,223
−HK$2,704/mo
Today · 4.125%
HK$90,927
baseline
▲ 0.50% · 4.625%
HK$96,460
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,854/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,187
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,740
−HK$2,589/mo
Today · 4.125%
HK$100,329
baseline
▲ 0.50% · 4.625%
HK$105,618
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,658/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,008
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,430
−HK$3,477/mo
Today · 4.125%
HK$116,907
baseline
▲ 0.50% · 4.625%
HK$124,020
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,814/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,383
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,665
−HK$3,330/mo
Today · 4.125%
HK$128,995
baseline
▲ 0.50% · 4.625%
HK$135,794
+HK$6,799/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,990/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,090 · Scale 2, in force from 26 Feb 2026)