LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,845
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,737
−HK$1,923/mo
Today · 4.125%
HK$64,660
baseline
▲ 0.50% · 4.625%
HK$68,595
+HK$3,935/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,320/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,689
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,505
−HK$1,841/mo
Today · 4.125%
HK$71,346
baseline
▲ 0.50% · 4.625%
HK$75,107
+HK$3,761/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,692/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,014
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,285
−HK$2,307/mo
Today · 4.125%
HK$77,592
baseline
▲ 0.50% · 4.625%
HK$82,314
+HK$4,722/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,184/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,227
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,406
−HK$2,210/mo
Today · 4.125%
HK$85,616
baseline
▲ 0.50% · 4.625%
HK$90,129
+HK$4,513/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,232/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,183
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,832
−HK$2,693/mo
Today · 4.125%
HK$90,525
baseline
▲ 0.50% · 4.625%
HK$96,033
+HK$5,508/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,050/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,765
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,307
−HK$2,578/mo
Today · 4.125%
HK$99,885
baseline
▲ 0.50% · 4.625%
HK$105,150
+HK$5,265/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,770/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,521
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,927
−HK$3,462/mo
Today · 4.125%
HK$116,389
baseline
▲ 0.50% · 4.625%
HK$123,471
+HK$7,082/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,778/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,841
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,108
−HK$3,315/mo
Today · 4.125%
HK$128,423
baseline
▲ 0.50% · 4.625%
HK$135,193
+HK$6,770/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,846/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,042 · Scale 2, in force from 26 Feb 2026)