LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,906
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,800
−HK$1,925/mo
Today · 4.125%
HK$64,725
baseline
▲ 0.50% · 4.625%
HK$68,663
+HK$3,938/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,450/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,757
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,574
−HK$1,844/mo
Today · 4.125%
HK$71,418
baseline
▲ 0.50% · 4.625%
HK$75,182
+HK$3,764/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,836/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,087
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,360
−HK$2,310/mo
Today · 4.125%
HK$77,670
baseline
▲ 0.50% · 4.625%
HK$82,396
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,340/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,309
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,489
−HK$2,212/mo
Today · 4.125%
HK$85,701
baseline
▲ 0.50% · 4.625%
HK$90,219
+HK$4,518/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,402/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,268
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,920
−HK$2,695/mo
Today · 4.125%
HK$90,615
baseline
▲ 0.50% · 4.625%
HK$96,129
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,230/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,860
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,404
−HK$2,581/mo
Today · 4.125%
HK$99,985
baseline
▲ 0.50% · 4.625%
HK$105,255
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,970/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,630
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,041
−HK$3,464/mo
Today · 4.125%
HK$116,505
baseline
▲ 0.50% · 4.625%
HK$123,594
+HK$7,089/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,010/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,963
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,234
−HK$3,318/mo
Today · 4.125%
HK$128,552
baseline
▲ 0.50% · 4.625%
HK$135,328
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,104/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,178 · Scale 2, in force from 26 Feb 2026)