LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,127
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,028
−HK$1,932/mo
Today · 4.125%
HK$64,960
baseline
▲ 0.50% · 4.625%
HK$68,912
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,920/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,003
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$1,850/mo
Today · 4.125%
HK$71,677
baseline
▲ 0.50% · 4.625%
HK$75,455
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,354/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,352
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,634
−HK$2,318/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,695
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,603
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,220/mo
Today · 4.125%
HK$86,012
baseline
▲ 0.50% · 4.625%
HK$90,546
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,024/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,577
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,239
−HK$2,705/mo
Today · 4.125%
HK$90,944
baseline
▲ 0.50% · 4.625%
HK$96,477
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,888/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,204
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,757
−HK$2,590/mo
Today · 4.125%
HK$100,347
baseline
▲ 0.50% · 4.625%
HK$105,637
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,694/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,028
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,450
−HK$3,478/mo
Today · 4.125%
HK$116,928
baseline
▲ 0.50% · 4.625%
HK$124,042
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,856/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,405
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,688
−HK$3,330/mo
Today · 4.125%
HK$129,018
baseline
▲ 0.50% · 4.625%
HK$135,819
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,036/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,294 · Scale 2, in force from 26 Feb 2026)