LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,844
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,736
−HK$1,923/mo
Today · 4.125%
HK$64,659
baseline
▲ 0.50% · 4.625%
HK$68,593
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,318/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,688
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,503
−HK$1,842/mo
Today · 4.125%
HK$71,345
baseline
▲ 0.50% · 4.625%
HK$75,105
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,690/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,012
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,283
−HK$2,308/mo
Today · 4.125%
HK$77,591
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,182/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,225
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,404
−HK$2,210/mo
Today · 4.125%
HK$85,614
baseline
▲ 0.50% · 4.625%
HK$90,127
+HK$4,513/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,228/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,181
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,831
−HK$2,692/mo
Today · 4.125%
HK$90,523
baseline
▲ 0.50% · 4.625%
HK$96,031
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,046/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,763
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,304
−HK$2,579/mo
Today · 4.125%
HK$99,883
baseline
▲ 0.50% · 4.625%
HK$105,148
+HK$5,265/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,766/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,518
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,925
−HK$3,461/mo
Today · 4.125%
HK$116,386
baseline
▲ 0.50% · 4.625%
HK$123,468
+HK$7,082/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,772/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,838
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,106
−HK$3,315/mo
Today · 4.125%
HK$128,421
baseline
▲ 0.50% · 4.625%
HK$135,190
+HK$6,769/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,842/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,018 · Scale 2, in force from 26 Feb 2026)