LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,928
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,824
−HK$1,925/mo
Today · 4.125%
HK$64,749
baseline
▲ 0.50% · 4.625%
HK$68,689
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,498/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,782
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,600
−HK$1,844/mo
Today · 4.125%
HK$71,444
baseline
▲ 0.50% · 4.625%
HK$75,210
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,888/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,114
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$2,311/mo
Today · 4.125%
HK$77,699
baseline
▲ 0.50% · 4.625%
HK$82,427
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,398/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,339
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,520
−HK$2,213/mo
Today · 4.125%
HK$85,733
baseline
▲ 0.50% · 4.625%
HK$90,252
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,466/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,300
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,953
−HK$2,696/mo
Today · 4.125%
HK$90,649
baseline
▲ 0.50% · 4.625%
HK$96,164
+HK$5,515/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,298/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,895
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,440
−HK$2,582/mo
Today · 4.125%
HK$100,022
baseline
▲ 0.50% · 4.625%
HK$105,294
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,044/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,671
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,082
−HK$3,466/mo
Today · 4.125%
HK$116,548
baseline
▲ 0.50% · 4.625%
HK$123,640
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,096/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,008
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,280
−HK$3,320/mo
Today · 4.125%
HK$128,600
baseline
▲ 0.50% · 4.625%
HK$135,378
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,200/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,598 · Scale 2, in force from 26 Feb 2026)