LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,860
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,924/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,935/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,706
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,522
−HK$1,842/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,032
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,304
−HK$2,308/mo
Today · 4.125%
HK$77,612
baseline
▲ 0.50% · 4.625%
HK$82,334
+HK$4,722/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,224/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,248
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,427
−HK$2,210/mo
Today · 4.125%
HK$85,637
baseline
▲ 0.50% · 4.625%
HK$90,151
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,274/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,204
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,692/mo
Today · 4.125%
HK$90,547
baseline
▲ 0.50% · 4.625%
HK$96,057
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,094/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,789
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,331
−HK$2,579/mo
Today · 4.125%
HK$99,910
baseline
▲ 0.50% · 4.625%
HK$105,176
+HK$5,266/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,820/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,548
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,956
−HK$3,462/mo
Today · 4.125%
HK$116,418
baseline
▲ 0.50% · 4.625%
HK$123,502
+HK$7,084/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,836/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,871
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,140
−HK$3,316/mo
Today · 4.125%
HK$128,456
baseline
▲ 0.50% · 4.625%
HK$135,227
+HK$6,771/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,912/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,327 · Scale 2, in force from 26 Feb 2026)