LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,859
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,752
−HK$1,923/mo
Today · 4.125%
HK$64,675
baseline
▲ 0.50% · 4.625%
HK$68,610
+HK$3,935/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,350/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,705
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,520
−HK$1,842/mo
Today · 4.125%
HK$71,362
baseline
▲ 0.50% · 4.625%
HK$75,124
+HK$3,762/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,724/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,030
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,302
−HK$2,308/mo
Today · 4.125%
HK$77,610
baseline
▲ 0.50% · 4.625%
HK$82,332
+HK$4,722/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,220/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,245
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,424
−HK$2,211/mo
Today · 4.125%
HK$85,635
baseline
▲ 0.50% · 4.625%
HK$90,149
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,270/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,202
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,852
−HK$2,693/mo
Today · 4.125%
HK$90,545
baseline
▲ 0.50% · 4.625%
HK$96,054
+HK$5,509/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,090/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,786
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,328
−HK$2,579/mo
Today · 4.125%
HK$99,907
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$5,267/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,814/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,545
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,953
−HK$3,462/mo
Today · 4.125%
HK$116,415
baseline
▲ 0.50% · 4.625%
HK$123,498
+HK$7,083/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,830/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,868
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,137
−HK$3,315/mo
Today · 4.125%
HK$128,452
baseline
▲ 0.50% · 4.625%
HK$135,223
+HK$6,771/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,904/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,298 · Scale 2, in force from 26 Feb 2026)