LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,133
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,932/mo
Today · 4.125%
HK$64,966
baseline
▲ 0.50% · 4.625%
HK$68,919
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,932/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,010
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,834
−HK$1,850/mo
Today · 4.125%
HK$71,684
baseline
▲ 0.50% · 4.625%
HK$75,463
+HK$3,779/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,368/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,359
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,641
−HK$2,319/mo
Today · 4.125%
HK$77,960
baseline
▲ 0.50% · 4.625%
HK$82,703
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,920/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,800
−HK$2,221/mo
Today · 4.125%
HK$86,021
baseline
▲ 0.50% · 4.625%
HK$90,555
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,042/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,586
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,248
−HK$2,705/mo
Today · 4.125%
HK$90,953
baseline
▲ 0.50% · 4.625%
HK$96,487
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,906/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,213
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,767
−HK$2,591/mo
Today · 4.125%
HK$100,358
baseline
▲ 0.50% · 4.625%
HK$105,648
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,716/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,039
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,462
−HK$3,477/mo
Today · 4.125%
HK$116,939
baseline
▲ 0.50% · 4.625%
HK$124,055
+HK$7,116/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,878/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,417
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,700
−HK$3,331/mo
Today · 4.125%
HK$129,031
baseline
▲ 0.50% · 4.625%
HK$135,833
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,062/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,409 · Scale 2, in force from 26 Feb 2026)