LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,897
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,792
−HK$1,924/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,654
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,748
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,565
−HK$1,843/mo
Today · 4.125%
HK$71,408
baseline
▲ 0.50% · 4.625%
HK$75,172
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,816/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$2,309/mo
Today · 4.125%
HK$77,659
baseline
▲ 0.50% · 4.625%
HK$82,385
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,318/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,297
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,477
−HK$2,212/mo
Today · 4.125%
HK$85,689
baseline
▲ 0.50% · 4.625%
HK$90,206
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,378/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,256
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,908
−HK$2,694/mo
Today · 4.125%
HK$90,602
baseline
▲ 0.50% · 4.625%
HK$96,115
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,204/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,847
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,390
−HK$2,581/mo
Today · 4.125%
HK$99,971
baseline
▲ 0.50% · 4.625%
HK$105,241
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,942/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,615
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,025
−HK$3,464/mo
Today · 4.125%
HK$116,489
baseline
▲ 0.50% · 4.625%
HK$123,577
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,978/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,946
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,216
−HK$3,318/mo
Today · 4.125%
HK$128,534
baseline
▲ 0.50% · 4.625%
HK$135,309
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,068/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,019 · Scale 2, in force from 26 Feb 2026)