LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,878
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,924/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$1,842/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,054
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,326
−HK$2,309/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$82,359
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,271
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,451
−HK$2,211/mo
Today · 4.125%
HK$85,662
baseline
▲ 0.50% · 4.625%
HK$90,178
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,324/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,229
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,880
−HK$2,694/mo
Today · 4.125%
HK$90,574
baseline
▲ 0.50% · 4.625%
HK$96,085
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,148/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,817
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,360
−HK$2,579/mo
Today · 4.125%
HK$99,939
baseline
▲ 0.50% · 4.625%
HK$105,207
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,878/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,580
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,989
−HK$3,463/mo
Today · 4.125%
HK$116,452
baseline
▲ 0.50% · 4.625%
HK$123,538
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,904/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,907
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,177
−HK$3,316/mo
Today · 4.125%
HK$128,493
baseline
▲ 0.50% · 4.625%
HK$135,266
+HK$6,773/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,986/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,661 · Scale 2, in force from 26 Feb 2026)