LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,919
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,814
−HK$1,925/mo
Today · 4.125%
HK$64,739
baseline
▲ 0.50% · 4.625%
HK$68,679
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,478/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,772
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,590
−HK$1,844/mo
Today · 4.125%
HK$71,434
baseline
▲ 0.50% · 4.625%
HK$75,199
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,868/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,103
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,377
−HK$2,310/mo
Today · 4.125%
HK$77,687
baseline
▲ 0.50% · 4.625%
HK$82,414
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,374/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,326
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,508
−HK$2,212/mo
Today · 4.125%
HK$85,720
baseline
▲ 0.50% · 4.625%
HK$90,239
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,440/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,287
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,940
−HK$2,695/mo
Today · 4.125%
HK$90,635
baseline
▲ 0.50% · 4.625%
HK$96,150
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,270/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,881
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,425
−HK$2,582/mo
Today · 4.125%
HK$100,007
baseline
▲ 0.50% · 4.625%
HK$105,278
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,014/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,655
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,065
−HK$3,466/mo
Today · 4.125%
HK$116,531
baseline
▲ 0.50% · 4.625%
HK$123,621
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,062/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,990
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,261
−HK$3,319/mo
Today · 4.125%
HK$128,580
baseline
▲ 0.50% · 4.625%
HK$135,358
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,160/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,428 · Scale 2, in force from 26 Feb 2026)