LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,877
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,924/mo
Today · 4.125%
HK$64,695
baseline
▲ 0.50% · 4.625%
HK$68,631
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,390/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,725
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,542
−HK$1,842/mo
Today · 4.125%
HK$71,384
baseline
▲ 0.50% · 4.625%
HK$75,147
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,768/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,053
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$2,309/mo
Today · 4.125%
HK$77,634
baseline
▲ 0.50% · 4.625%
HK$82,358
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,268/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,270
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,450
−HK$2,211/mo
Today · 4.125%
HK$85,661
baseline
▲ 0.50% · 4.625%
HK$90,177
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,322/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,228
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,879
−HK$2,694/mo
Today · 4.125%
HK$90,573
baseline
▲ 0.50% · 4.625%
HK$96,084
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,146/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,815
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,358
−HK$2,580/mo
Today · 4.125%
HK$99,938
baseline
▲ 0.50% · 4.625%
HK$105,206
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,876/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,579
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,988
−HK$3,463/mo
Today · 4.125%
HK$116,451
baseline
▲ 0.50% · 4.625%
HK$123,536
+HK$7,085/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,902/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,906
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,175
−HK$3,317/mo
Today · 4.125%
HK$128,492
baseline
▲ 0.50% · 4.625%
HK$135,265
+HK$6,773/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,984/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,646 · Scale 2, in force from 26 Feb 2026)