LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,909
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,804
−HK$1,925/mo
Today · 4.125%
HK$64,729
baseline
▲ 0.50% · 4.625%
HK$68,668
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,458/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,761
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,579
−HK$1,843/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,187
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,091
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,365
−HK$2,310/mo
Today · 4.125%
HK$77,675
baseline
▲ 0.50% · 4.625%
HK$82,401
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,350/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,313
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,494
−HK$2,213/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,224
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,273
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,926
−HK$2,695/mo
Today · 4.125%
HK$90,621
baseline
▲ 0.50% · 4.625%
HK$96,135
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,242/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,866
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,410
−HK$2,581/mo
Today · 4.125%
HK$99,991
baseline
▲ 0.50% · 4.625%
HK$105,262
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,982/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,637
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,047
−HK$3,465/mo
Today · 4.125%
HK$116,512
baseline
▲ 0.50% · 4.625%
HK$123,602
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,024/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,970
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,241
−HK$3,319/mo
Today · 4.125%
HK$128,560
baseline
▲ 0.50% · 4.625%
HK$135,336
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,120/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,247 · Scale 2, in force from 26 Feb 2026)