LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,867
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,761
−HK$1,923/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,620
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,714
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,531
−HK$1,842/mo
Today · 4.125%
HK$71,373
baseline
▲ 0.50% · 4.625%
HK$75,135
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,746/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,041
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,313
−HK$2,308/mo
Today · 4.125%
HK$77,621
baseline
▲ 0.50% · 4.625%
HK$82,344
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,242/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,257
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,437
−HK$2,210/mo
Today · 4.125%
HK$85,647
baseline
▲ 0.50% · 4.625%
HK$90,162
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,294/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,214
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,865
−HK$2,693/mo
Today · 4.125%
HK$90,558
baseline
▲ 0.50% · 4.625%
HK$96,068
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,116/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,800
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,343
−HK$2,579/mo
Today · 4.125%
HK$99,922
baseline
▲ 0.50% · 4.625%
HK$105,189
+HK$5,267/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,844/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,561
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,969
−HK$3,463/mo
Today · 4.125%
HK$116,432
baseline
▲ 0.50% · 4.625%
HK$123,517
+HK$7,085/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,864/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,886
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,155
−HK$3,316/mo
Today · 4.125%
HK$128,471
baseline
▲ 0.50% · 4.625%
HK$135,243
+HK$6,772/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,942/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,464 · Scale 2, in force from 26 Feb 2026)