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$68,682
+HK$3,940/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$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,775
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,593
−HK$1,844/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,203
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,107
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$2,310/mo
Today · 4.125%
HK$77,691
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,382/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,330
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,212/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,243
+HK$4,519/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$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,291
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,944
−HK$2,695/mo
Today · 4.125%
HK$90,639
baseline
▲ 0.50% · 4.625%
HK$96,155
+HK$5,516/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$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,885
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,430
−HK$2,582/mo
Today · 4.125%
HK$100,012
baseline
▲ 0.50% · 4.625%
HK$105,284
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,024/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,660
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,071
−HK$3,465/mo
Today · 4.125%
HK$116,536
baseline
▲ 0.50% · 4.625%
HK$123,627
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,072/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,995
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,267
−HK$3,320/mo
Today · 4.125%
HK$128,587
baseline
▲ 0.50% · 4.625%
HK$135,365
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,174/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,483 · Scale 2, in force from 26 Feb 2026)