LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,879
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,924/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,633
+HK$3,937/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$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,727
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$1,843/mo
Today · 4.125%
HK$71,386
baseline
▲ 0.50% · 4.625%
HK$75,149
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,772/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,055
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,327
−HK$2,309/mo
Today · 4.125%
HK$77,636
baseline
▲ 0.50% · 4.625%
HK$82,360
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,272/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,272
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,452
−HK$2,211/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,179
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,230
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,881
−HK$2,694/mo
Today · 4.125%
HK$90,575
baseline
▲ 0.50% · 4.625%
HK$96,086
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,150/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,818
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,361
−HK$2,580/mo
Today · 4.125%
HK$99,941
baseline
▲ 0.50% · 4.625%
HK$105,209
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,882/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,582
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,990
−HK$3,464/mo
Today · 4.125%
HK$116,454
baseline
▲ 0.50% · 4.625%
HK$123,539
+HK$7,085/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,908/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,909
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,178
−HK$3,317/mo
Today · 4.125%
HK$128,495
baseline
▲ 0.50% · 4.625%
HK$135,268
+HK$6,773/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,990/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,674 · Scale 2, in force from 26 Feb 2026)