LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,892
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,786
−HK$1,925/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,648
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,742
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$1,843/mo
Today · 4.125%
HK$71,402
baseline
▲ 0.50% · 4.625%
HK$75,165
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,804/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,070
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,343
−HK$2,310/mo
Today · 4.125%
HK$77,653
baseline
▲ 0.50% · 4.625%
HK$82,378
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,306/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,290
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,470
−HK$2,212/mo
Today · 4.125%
HK$85,682
baseline
▲ 0.50% · 4.625%
HK$90,198
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,364/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,249
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,901
−HK$2,694/mo
Today · 4.125%
HK$90,595
baseline
▲ 0.50% · 4.625%
HK$96,107
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,190/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,839
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,382
−HK$2,580/mo
Today · 4.125%
HK$99,962
baseline
▲ 0.50% · 4.625%
HK$105,232
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,924/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,606
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,015
−HK$3,464/mo
Today · 4.125%
HK$116,479
baseline
▲ 0.50% · 4.625%
HK$123,566
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,958/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,935
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,205
−HK$3,318/mo
Today · 4.125%
HK$128,523
baseline
▲ 0.50% · 4.625%
HK$135,298
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,046/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,922 · Scale 2, in force from 26 Feb 2026)