LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,118
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,931/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$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,994
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$1,850/mo
Today · 4.125%
HK$71,667
baseline
▲ 0.50% · 4.625%
HK$75,445
+HK$3,778/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$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,342
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,317/mo
Today · 4.125%
HK$77,941
baseline
▲ 0.50% · 4.625%
HK$82,684
+HK$4,743/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$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,592
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,220/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$90,534
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,566
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,227
−HK$2,705/mo
Today · 4.125%
HK$90,932
baseline
▲ 0.50% · 4.625%
HK$96,465
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,864/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,191
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,744
−HK$2,590/mo
Today · 4.125%
HK$100,334
baseline
▲ 0.50% · 4.625%
HK$105,623
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,668/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,013
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,435
−HK$3,477/mo
Today · 4.125%
HK$116,912
baseline
▲ 0.50% · 4.625%
HK$124,026
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,824/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,389
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,671
−HK$3,330/mo
Today · 4.125%
HK$129,001
baseline
▲ 0.50% · 4.625%
HK$135,801
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$258,002/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,142 · Scale 2, in force from 26 Feb 2026)