LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,118
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,019
−HK$1,932/mo
Today · 4.125%
HK$64,951
baseline
▲ 0.50% · 4.625%
HK$68,903
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,902/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,993
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$1,850/mo
Today · 4.125%
HK$71,667
baseline
▲ 0.50% · 4.625%
HK$75,444
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,334/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,342
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,623
−HK$2,318/mo
Today · 4.125%
HK$77,941
baseline
▲ 0.50% · 4.625%
HK$82,683
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,882/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,592
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,780
−HK$2,220/mo
Today · 4.125%
HK$86,000
baseline
▲ 0.50% · 4.625%
HK$90,533
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,000/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,565
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,227
−HK$2,704/mo
Today · 4.125%
HK$90,931
baseline
▲ 0.50% · 4.625%
HK$96,464
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,862/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,191
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,743
−HK$2,590/mo
Today · 4.125%
HK$100,333
baseline
▲ 0.50% · 4.625%
HK$105,622
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,666/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,013
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,435
−HK$3,476/mo
Today · 4.125%
HK$116,911
baseline
▲ 0.50% · 4.625%
HK$124,025
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,822/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,388
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,670
−HK$3,330/mo
Today · 4.125%
HK$129,000
baseline
▲ 0.50% · 4.625%
HK$135,800
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$258,000/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,135 · Scale 2, in force from 26 Feb 2026)