LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,903
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,797
−HK$1,925/mo
Today · 4.125%
HK$64,722
baseline
▲ 0.50% · 4.625%
HK$68,660
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,444/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,754
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,571
−HK$1,844/mo
Today · 4.125%
HK$71,415
baseline
▲ 0.50% · 4.625%
HK$75,179
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,830/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,084
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,357
−HK$2,310/mo
Today · 4.125%
HK$77,667
baseline
▲ 0.50% · 4.625%
HK$82,392
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,334/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,305
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,485
−HK$2,212/mo
Today · 4.125%
HK$85,697
baseline
▲ 0.50% · 4.625%
HK$90,215
+HK$4,518/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,394/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,264
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,916
−HK$2,695/mo
Today · 4.125%
HK$90,611
baseline
▲ 0.50% · 4.625%
HK$96,125
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,222/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,856
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,400
−HK$2,580/mo
Today · 4.125%
HK$99,980
baseline
▲ 0.50% · 4.625%
HK$105,250
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,960/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,625
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,035
−HK$3,465/mo
Today · 4.125%
HK$116,500
baseline
▲ 0.50% · 4.625%
HK$123,589
+HK$7,089/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,000/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,957
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,228
−HK$3,318/mo
Today · 4.125%
HK$128,546
baseline
▲ 0.50% · 4.625%
HK$135,322
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,092/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,127 · Scale 2, in force from 26 Feb 2026)