LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,923
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,819
−HK$1,925/mo
Today · 4.125%
HK$64,744
baseline
▲ 0.50% · 4.625%
HK$68,683
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,488/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,777
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,595
−HK$1,844/mo
Today · 4.125%
HK$71,439
baseline
▲ 0.50% · 4.625%
HK$75,204
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,878/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,108
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,382
−HK$2,311/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,332
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,513
−HK$2,213/mo
Today · 4.125%
HK$85,726
baseline
▲ 0.50% · 4.625%
HK$90,245
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,452/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,946
−HK$2,695/mo
Today · 4.125%
HK$90,641
baseline
▲ 0.50% · 4.625%
HK$96,157
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,282/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,887
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,432
−HK$2,582/mo
Today · 4.125%
HK$100,014
baseline
▲ 0.50% · 4.625%
HK$105,286
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,028/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,662
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,073
−HK$3,466/mo
Today · 4.125%
HK$116,539
baseline
▲ 0.50% · 4.625%
HK$123,630
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,078/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,998
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,270
−HK$3,319/mo
Today · 4.125%
HK$128,589
baseline
▲ 0.50% · 4.625%
HK$135,367
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,178/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,508 · Scale 2, in force from 26 Feb 2026)