LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,853
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,745
−HK$1,924/mo
Today · 4.125%
HK$64,669
baseline
▲ 0.50% · 4.625%
HK$68,604
+HK$3,935/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,338/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,698
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,514
−HK$1,841/mo
Today · 4.125%
HK$71,355
baseline
▲ 0.50% · 4.625%
HK$75,117
+HK$3,762/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,710/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,023
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,295
−HK$2,307/mo
Today · 4.125%
HK$77,602
baseline
▲ 0.50% · 4.625%
HK$82,324
+HK$4,722/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,204/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,237
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,416
−HK$2,210/mo
Today · 4.125%
HK$85,626
baseline
▲ 0.50% · 4.625%
HK$90,140
+HK$4,514/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,252/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,194
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,844
−HK$2,692/mo
Today · 4.125%
HK$90,536
baseline
▲ 0.50% · 4.625%
HK$96,045
+HK$5,509/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,072/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,777
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,319
−HK$2,579/mo
Today · 4.125%
HK$99,898
baseline
▲ 0.50% · 4.625%
HK$105,163
+HK$5,265/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,796/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,535
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,942
−HK$3,461/mo
Today · 4.125%
HK$116,403
baseline
▲ 0.50% · 4.625%
HK$123,486
+HK$7,083/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,806/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,856
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,124
−HK$3,316/mo
Today · 4.125%
HK$128,440
baseline
▲ 0.50% · 4.625%
HK$135,210
+HK$6,770/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,880/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,186 · Scale 2, in force from 26 Feb 2026)