LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,917
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,812
−HK$1,925/mo
Today · 4.125%
HK$64,737
baseline
▲ 0.50% · 4.625%
HK$68,676
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,474/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,770
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,587
−HK$1,844/mo
Today · 4.125%
HK$71,431
baseline
▲ 0.50% · 4.625%
HK$75,196
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,862/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,101
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,374
−HK$2,311/mo
Today · 4.125%
HK$77,685
baseline
▲ 0.50% · 4.625%
HK$82,412
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,370/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,324
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,505
−HK$2,212/mo
Today · 4.125%
HK$85,717
baseline
▲ 0.50% · 4.625%
HK$90,236
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,434/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,284
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,695/mo
Today · 4.125%
HK$90,632
baseline
▲ 0.50% · 4.625%
HK$96,147
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,264/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,878
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,422
−HK$2,582/mo
Today · 4.125%
HK$100,004
baseline
▲ 0.50% · 4.625%
HK$105,275
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,008/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,651
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,062
−HK$3,465/mo
Today · 4.125%
HK$116,527
baseline
▲ 0.50% · 4.625%
HK$123,617
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,054/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,986
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,257
−HK$3,319/mo
Today · 4.125%
HK$128,576
baseline
▲ 0.50% · 4.625%
HK$135,354
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,152/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,391 · Scale 2, in force from 26 Feb 2026)