LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,883
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,777
−HK$1,924/mo
Today · 4.125%
HK$64,701
baseline
▲ 0.50% · 4.625%
HK$68,638
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,402/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,732
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,549
−HK$1,843/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,155
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,060
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,333
−HK$2,309/mo
Today · 4.125%
HK$77,642
baseline
▲ 0.50% · 4.625%
HK$82,366
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,284/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,279
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,459
−HK$2,211/mo
Today · 4.125%
HK$85,670
baseline
▲ 0.50% · 4.625%
HK$90,186
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,340/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,237
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,888
−HK$2,694/mo
Today · 4.125%
HK$90,582
baseline
▲ 0.50% · 4.625%
HK$96,094
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,164/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,825
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,368
−HK$2,580/mo
Today · 4.125%
HK$99,948
baseline
▲ 0.50% · 4.625%
HK$105,217
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,896/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,590
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,999
−HK$3,463/mo
Today · 4.125%
HK$116,462
baseline
▲ 0.50% · 4.625%
HK$123,549
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,924/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,918
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,188
−HK$3,317/mo
Today · 4.125%
HK$128,505
baseline
▲ 0.50% · 4.625%
HK$135,279
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,010/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,762 · Scale 2, in force from 26 Feb 2026)