LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,891
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,925/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,647
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,558
−HK$1,843/mo
Today · 4.125%
HK$71,401
baseline
▲ 0.50% · 4.625%
HK$75,165
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,802/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,070
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,343
−HK$2,309/mo
Today · 4.125%
HK$77,652
baseline
▲ 0.50% · 4.625%
HK$82,377
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,304/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,289
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,469
−HK$2,212/mo
Today · 4.125%
HK$85,681
baseline
▲ 0.50% · 4.625%
HK$90,197
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,362/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,248
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,900
−HK$2,694/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$96,106
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,837
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,381
−HK$2,580/mo
Today · 4.125%
HK$99,961
baseline
▲ 0.50% · 4.625%
HK$105,230
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,922/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,604
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,014
−HK$3,464/mo
Today · 4.125%
HK$116,478
baseline
▲ 0.50% · 4.625%
HK$123,565
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,956/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,934
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,204
−HK$3,318/mo
Today · 4.125%
HK$128,522
baseline
▲ 0.50% · 4.625%
HK$135,296
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,044/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,909 · Scale 2, in force from 26 Feb 2026)