LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,914
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,925/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,767
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,584
−HK$1,844/mo
Today · 4.125%
HK$71,428
baseline
▲ 0.50% · 4.625%
HK$75,193
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,856/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,097
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,371
−HK$2,310/mo
Today · 4.125%
HK$77,681
baseline
▲ 0.50% · 4.625%
HK$82,408
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,362/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,320
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,501
−HK$2,212/mo
Today · 4.125%
HK$85,713
baseline
▲ 0.50% · 4.625%
HK$90,231
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,426/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,933
−HK$2,695/mo
Today · 4.125%
HK$90,628
baseline
▲ 0.50% · 4.625%
HK$96,142
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,256/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,873
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,418
−HK$2,581/mo
Today · 4.125%
HK$99,999
baseline
▲ 0.50% · 4.625%
HK$105,270
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,998/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,646
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,056
−HK$3,465/mo
Today · 4.125%
HK$116,521
baseline
▲ 0.50% · 4.625%
HK$123,612
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,042/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,980
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,251
−HK$3,319/mo
Today · 4.125%
HK$128,570
baseline
▲ 0.50% · 4.625%
HK$135,347
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,140/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,336 · Scale 2, in force from 26 Feb 2026)