LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,875
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,768
−HK$1,924/mo
Today · 4.125%
HK$64,692
baseline
▲ 0.50% · 4.625%
HK$68,629
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,384/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,723
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,539
−HK$1,843/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,144
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,050
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,322
−HK$2,309/mo
Today · 4.125%
HK$77,631
baseline
▲ 0.50% · 4.625%
HK$82,354
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,262/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,267
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,447
−HK$2,211/mo
Today · 4.125%
HK$85,658
baseline
▲ 0.50% · 4.625%
HK$90,173
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,316/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,225
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,876
−HK$2,693/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$96,080
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,138/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,812
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,355
−HK$2,579/mo
Today · 4.125%
HK$99,934
baseline
▲ 0.50% · 4.625%
HK$105,202
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,868/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,575
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,983
−HK$3,463/mo
Today · 4.125%
HK$116,446
baseline
▲ 0.50% · 4.625%
HK$123,531
+HK$7,085/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,892/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,901
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,170
−HK$3,317/mo
Today · 4.125%
HK$128,487
baseline
▲ 0.50% · 4.625%
HK$135,259
+HK$6,772/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,974/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,601 · Scale 2, in force from 26 Feb 2026)