LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,120
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,021
−HK$1,931/mo
Today · 4.125%
HK$64,952
baseline
▲ 0.50% · 4.625%
HK$68,905
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,904/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,995
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,819
−HK$1,850/mo
Today · 4.125%
HK$71,669
baseline
▲ 0.50% · 4.625%
HK$75,446
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,338/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,344
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,625
−HK$2,318/mo
Today · 4.125%
HK$77,943
baseline
▲ 0.50% · 4.625%
HK$82,686
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,886/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,594
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,782
−HK$2,220/mo
Today · 4.125%
HK$86,002
baseline
▲ 0.50% · 4.625%
HK$90,536
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,004/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,568
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,229
−HK$2,704/mo
Today · 4.125%
HK$90,933
baseline
▲ 0.50% · 4.625%
HK$96,466
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,866/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,193
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,746
−HK$2,590/mo
Today · 4.125%
HK$100,336
baseline
▲ 0.50% · 4.625%
HK$105,625
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,672/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,015
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,438
−HK$3,476/mo
Today · 4.125%
HK$116,914
baseline
▲ 0.50% · 4.625%
HK$124,028
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,828/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,391
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,673
−HK$3,330/mo
Today · 4.125%
HK$129,003
baseline
▲ 0.50% · 4.625%
HK$135,803
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$258,006/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,164 · Scale 2, in force from 26 Feb 2026)