LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,924
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,819
−HK$1,926/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,684
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,519 · 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$75,205
+HK$3,766/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$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,109
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$2,310/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,728/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$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,333
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,213/mo
Today · 4.125%
HK$85,727
baseline
▲ 0.50% · 4.625%
HK$90,246
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,454/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,695/mo
Today · 4.125%
HK$90,642
baseline
▲ 0.50% · 4.625%
HK$96,158
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,284/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,888
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,582/mo
Today · 4.125%
HK$100,015
baseline
▲ 0.50% · 4.625%
HK$105,287
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,030/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,663
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,074
−HK$3,466/mo
Today · 4.125%
HK$116,540
baseline
▲ 0.50% · 4.625%
HK$123,631
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,080/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,999
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,271
−HK$3,320/mo
Today · 4.125%
HK$128,591
baseline
▲ 0.50% · 4.625%
HK$135,369
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,182/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,519 · Scale 2, in force from 26 Feb 2026)