LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,913
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,807
−HK$1,925/mo
Today · 4.125%
HK$64,732
baseline
▲ 0.50% · 4.625%
HK$68,671
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,464/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,765
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$1,844/mo
Today · 4.125%
HK$71,426
baseline
▲ 0.50% · 4.625%
HK$75,191
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,852/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,095
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$2,310/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$82,405
+HK$4,726/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,318
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,212/mo
Today · 4.125%
HK$85,711
baseline
▲ 0.50% · 4.625%
HK$90,229
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,422/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,278
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,930
−HK$2,695/mo
Today · 4.125%
HK$90,625
baseline
▲ 0.50% · 4.625%
HK$96,140
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,250/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,871
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,415
−HK$2,581/mo
Today · 4.125%
HK$99,996
baseline
▲ 0.50% · 4.625%
HK$105,267
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,992/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,643
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,053
−HK$3,465/mo
Today · 4.125%
HK$116,518
baseline
▲ 0.50% · 4.625%
HK$123,608
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,036/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,976
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,248
−HK$3,318/mo
Today · 4.125%
HK$128,566
baseline
▲ 0.50% · 4.625%
HK$135,343
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,132/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,306 · Scale 2, in force from 26 Feb 2026)