LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,912
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,806
−HK$1,925/mo
Today · 4.125%
HK$64,731
baseline
▲ 0.50% · 4.625%
HK$68,670
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,462/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,764
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,581
−HK$1,844/mo
Today · 4.125%
HK$71,425
baseline
▲ 0.50% · 4.625%
HK$75,190
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,850/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,094
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,368
−HK$2,310/mo
Today · 4.125%
HK$77,678
baseline
▲ 0.50% · 4.625%
HK$82,404
+HK$4,726/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,356/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,316
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,497
−HK$2,213/mo
Today · 4.125%
HK$85,710
baseline
▲ 0.50% · 4.625%
HK$90,227
+HK$4,517/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,420/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,276
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,929
−HK$2,695/mo
Today · 4.125%
HK$90,624
baseline
▲ 0.50% · 4.625%
HK$96,138
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,248/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,869
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,581/mo
Today · 4.125%
HK$99,994
baseline
▲ 0.50% · 4.625%
HK$105,265
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,988/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,641
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,051
−HK$3,465/mo
Today · 4.125%
HK$116,516
baseline
▲ 0.50% · 4.625%
HK$123,606
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,032/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,974
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,246
−HK$3,318/mo
Today · 4.125%
HK$128,564
baseline
▲ 0.50% · 4.625%
HK$135,341
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,128/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,287 · Scale 2, in force from 26 Feb 2026)