LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,930
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,926/mo
Today · 4.125%
HK$64,751
baseline
▲ 0.50% · 4.625%
HK$68,691
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,502/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,784
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,602
−HK$1,844/mo
Today · 4.125%
HK$71,446
baseline
▲ 0.50% · 4.625%
HK$75,212
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,892/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,116
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$2,311/mo
Today · 4.125%
HK$77,701
baseline
▲ 0.50% · 4.625%
HK$82,429
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,402/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,341
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,213/mo
Today · 4.125%
HK$85,735
baseline
▲ 0.50% · 4.625%
HK$90,255
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,470/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,302
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,696/mo
Today · 4.125%
HK$90,651
baseline
▲ 0.50% · 4.625%
HK$96,167
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,302/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,898
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,443
−HK$2,582/mo
Today · 4.125%
HK$100,025
baseline
▲ 0.50% · 4.625%
HK$105,297
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,050/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,674
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,085
−HK$3,466/mo
Today · 4.125%
HK$116,551
baseline
▲ 0.50% · 4.625%
HK$123,643
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,102/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,011
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,283
−HK$3,320/mo
Today · 4.125%
HK$128,603
baseline
▲ 0.50% · 4.625%
HK$135,382
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,206/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,629 · Scale 2, in force from 26 Feb 2026)