LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,918
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,925/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,677
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,771
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,588
−HK$1,844/mo
Today · 4.125%
HK$71,432
baseline
▲ 0.50% · 4.625%
HK$75,197
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,864/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,101
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$2,311/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$82,413
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,325
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,506
−HK$2,212/mo
Today · 4.125%
HK$85,718
baseline
▲ 0.50% · 4.625%
HK$90,237
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,436/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,285
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,695/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$96,148
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,423
−HK$2,582/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$105,276
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,652
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,063
−HK$3,465/mo
Today · 4.125%
HK$116,528
baseline
▲ 0.50% · 4.625%
HK$123,619
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,056/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,987
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,259
−HK$3,319/mo
Today · 4.125%
HK$128,578
baseline
▲ 0.50% · 4.625%
HK$135,355
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,156/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,404 · Scale 2, in force from 26 Feb 2026)