LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,899
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,924/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,655
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,566
−HK$1,843/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,351
−HK$2,310/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$82,386
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,479
−HK$2,212/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,208
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,258
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,910
−HK$2,694/mo
Today · 4.125%
HK$90,604
baseline
▲ 0.50% · 4.625%
HK$96,118
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,208/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,849
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,392
−HK$2,581/mo
Today · 4.125%
HK$99,973
baseline
▲ 0.50% · 4.625%
HK$105,243
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,946/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,617
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,027
−HK$3,464/mo
Today · 4.125%
HK$116,491
baseline
▲ 0.50% · 4.625%
HK$123,580
+HK$7,089/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,982/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,948
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,219
−HK$3,318/mo
Today · 4.125%
HK$128,537
baseline
▲ 0.50% · 4.625%
HK$135,312
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,074/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,044 · Scale 2, in force from 26 Feb 2026)