LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,894
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,788
−HK$1,925/mo
Today · 4.125%
HK$64,713
baseline
▲ 0.50% · 4.625%
HK$68,650
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,426/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,744
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,561
−HK$1,843/mo
Today · 4.125%
HK$71,404
baseline
▲ 0.50% · 4.625%
HK$75,168
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,808/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,073
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,346
−HK$2,309/mo
Today · 4.125%
HK$77,655
baseline
▲ 0.50% · 4.625%
HK$82,381
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,310/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,293
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,473
−HK$2,212/mo
Today · 4.125%
HK$85,685
baseline
▲ 0.50% · 4.625%
HK$90,202
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,370/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,252
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,904
−HK$2,694/mo
Today · 4.125%
HK$90,598
baseline
▲ 0.50% · 4.625%
HK$96,111
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,196/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,842
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,386
−HK$2,580/mo
Today · 4.125%
HK$99,966
baseline
▲ 0.50% · 4.625%
HK$105,235
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,932/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,610
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,019
−HK$3,464/mo
Today · 4.125%
HK$116,483
baseline
▲ 0.50% · 4.625%
HK$123,571
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,966/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,940
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,210
−HK$3,318/mo
Today · 4.125%
HK$128,528
baseline
▲ 0.50% · 4.625%
HK$135,303
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,056/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,963 · Scale 2, in force from 26 Feb 2026)