LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,901
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,795
−HK$1,925/mo
Today · 4.125%
HK$64,720
baseline
▲ 0.50% · 4.625%
HK$68,658
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,440/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,751
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,569
−HK$1,843/mo
Today · 4.125%
HK$71,412
baseline
▲ 0.50% · 4.625%
HK$75,176
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,824/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,081
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,354
−HK$2,310/mo
Today · 4.125%
HK$77,664
baseline
▲ 0.50% · 4.625%
HK$82,389
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,328/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,302
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,212/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,211
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,261
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,913
−HK$2,695/mo
Today · 4.125%
HK$90,608
baseline
▲ 0.50% · 4.625%
HK$96,121
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,216/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,852
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,396
−HK$2,581/mo
Today · 4.125%
HK$99,977
baseline
▲ 0.50% · 4.625%
HK$105,246
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,954/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,621
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,031
−HK$3,465/mo
Today · 4.125%
HK$116,496
baseline
▲ 0.50% · 4.625%
HK$123,584
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,992/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,953
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,223
−HK$3,318/mo
Today · 4.125%
HK$128,541
baseline
▲ 0.50% · 4.625%
HK$135,317
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,082/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,084 · Scale 2, in force from 26 Feb 2026)