LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,863
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,924/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,616
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,526
−HK$1,842/mo
Today · 4.125%
HK$71,368
baseline
▲ 0.50% · 4.625%
HK$75,130
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,736/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,036
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,308
−HK$2,308/mo
Today · 4.125%
HK$77,616
baseline
▲ 0.50% · 4.625%
HK$82,339
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,232/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,252
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,431
−HK$2,211/mo
Today · 4.125%
HK$85,642
baseline
▲ 0.50% · 4.625%
HK$90,156
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,284/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,209
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,859
−HK$2,693/mo
Today · 4.125%
HK$90,552
baseline
▲ 0.50% · 4.625%
HK$96,062
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,104/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,794
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,336
−HK$2,579/mo
Today · 4.125%
HK$99,915
baseline
▲ 0.50% · 4.625%
HK$105,182
+HK$5,267/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,830/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,554
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,962
−HK$3,462/mo
Today · 4.125%
HK$116,424
baseline
▲ 0.50% · 4.625%
HK$123,508
+HK$7,084/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,848/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,878
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,146
−HK$3,316/mo
Today · 4.125%
HK$128,462
baseline
▲ 0.50% · 4.625%
HK$135,234
+HK$6,772/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,924/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,386 · Scale 2, in force from 26 Feb 2026)