LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,896
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,791
−HK$1,924/mo
Today · 4.125%
HK$64,715
baseline
▲ 0.50% · 4.625%
HK$68,653
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,430/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,747
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,564
−HK$1,843/mo
Today · 4.125%
HK$71,407
baseline
▲ 0.50% · 4.625%
HK$75,171
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,814/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,076
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,349
−HK$2,309/mo
Today · 4.125%
HK$77,658
baseline
▲ 0.50% · 4.625%
HK$82,384
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,316/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,296
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,476
−HK$2,212/mo
Today · 4.125%
HK$85,688
baseline
▲ 0.50% · 4.625%
HK$90,205
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,376/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,255
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,907
−HK$2,694/mo
Today · 4.125%
HK$90,601
baseline
▲ 0.50% · 4.625%
HK$96,114
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,202/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,845
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,389
−HK$2,581/mo
Today · 4.125%
HK$99,970
baseline
▲ 0.50% · 4.625%
HK$105,239
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,940/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,614
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,023
−HK$3,464/mo
Today · 4.125%
HK$116,487
baseline
▲ 0.50% · 4.625%
HK$123,575
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,974/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,944
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,215
−HK$3,317/mo
Today · 4.125%
HK$128,532
baseline
▲ 0.50% · 4.625%
HK$135,307
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,064/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,005 · Scale 2, in force from 26 Feb 2026)