LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,898
−HK$3,818/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$1,135,027 · 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$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$2,310/mo
Today · 4.125%
HK$77,660
baseline
▲ 0.50% · 4.625%
HK$82,385
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,320/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,298
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,212/mo
Today · 4.125%
HK$85,690
baseline
▲ 0.50% · 4.625%
HK$90,207
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,380/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,257
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,909
−HK$2,694/mo
Today · 4.125%
HK$90,603
baseline
▲ 0.50% · 4.625%
HK$96,116
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,206/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,847
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,391
−HK$2,581/mo
Today · 4.125%
HK$99,972
baseline
▲ 0.50% · 4.625%
HK$105,241
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,944/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,616
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,025
−HK$3,465/mo
Today · 4.125%
HK$116,490
baseline
▲ 0.50% · 4.625%
HK$123,578
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,980/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,946
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,217
−HK$3,318/mo
Today · 4.125%
HK$128,535
baseline
▲ 0.50% · 4.625%
HK$135,310
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,070/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,027 · Scale 2, in force from 26 Feb 2026)