LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,126
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,027
−HK$1,932/mo
Today · 4.125%
HK$64,959
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,918/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,002
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$1,851/mo
Today · 4.125%
HK$71,676
baseline
▲ 0.50% · 4.625%
HK$75,454
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,352/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,351
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,632
−HK$2,318/mo
Today · 4.125%
HK$77,950
baseline
▲ 0.50% · 4.625%
HK$82,694
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,900/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,602
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,790
−HK$2,221/mo
Today · 4.125%
HK$86,011
baseline
▲ 0.50% · 4.625%
HK$90,544
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,022/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,576
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,238
−HK$2,704/mo
Today · 4.125%
HK$90,942
baseline
▲ 0.50% · 4.625%
HK$96,476
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,884/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,202
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,756
−HK$2,590/mo
Today · 4.125%
HK$100,346
baseline
▲ 0.50% · 4.625%
HK$105,635
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,692/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,026
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,449
−HK$3,477/mo
Today · 4.125%
HK$116,926
baseline
▲ 0.50% · 4.625%
HK$124,040
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,852/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,403
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,686
−HK$3,330/mo
Today · 4.125%
HK$129,016
baseline
▲ 0.50% · 4.625%
HK$135,817
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,032/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,275 · Scale 2, in force from 26 Feb 2026)