LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,922
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,817
−HK$1,925/mo
Today · 4.125%
HK$64,742
baseline
▲ 0.50% · 4.625%
HK$68,681
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,484/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,775
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,592
−HK$1,844/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,202
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,106
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,380
−HK$2,310/mo
Today · 4.125%
HK$77,690
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,380/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,330
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,511
−HK$2,213/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,242
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,448/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,290
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,943
−HK$2,696/mo
Today · 4.125%
HK$90,639
baseline
▲ 0.50% · 4.625%
HK$96,154
+HK$5,515/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,278/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,885
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,429
−HK$2,582/mo
Today · 4.125%
HK$100,011
baseline
▲ 0.50% · 4.625%
HK$105,283
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,022/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,659
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,070
−HK$3,465/mo
Today · 4.125%
HK$116,535
baseline
▲ 0.50% · 4.625%
HK$123,626
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,070/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,994
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,266
−HK$3,319/mo
Today · 4.125%
HK$128,585
baseline
▲ 0.50% · 4.625%
HK$135,363
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,170/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,473 · Scale 2, in force from 26 Feb 2026)