LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,932
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,827
−HK$1,926/mo
Today · 4.125%
HK$64,753
baseline
▲ 0.50% · 4.625%
HK$68,693
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,506/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,786
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,604
−HK$1,844/mo
Today · 4.125%
HK$71,448
baseline
▲ 0.50% · 4.625%
HK$75,214
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,896/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,118
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,393
−HK$2,310/mo
Today · 4.125%
HK$77,703
baseline
▲ 0.50% · 4.625%
HK$82,431
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,406/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,343
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,525
−HK$2,213/mo
Today · 4.125%
HK$85,738
baseline
▲ 0.50% · 4.625%
HK$90,257
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,476/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,305
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,696/mo
Today · 4.125%
HK$90,654
baseline
▲ 0.50% · 4.625%
HK$96,170
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,308/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,900
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,446
−HK$2,582/mo
Today · 4.125%
HK$100,028
baseline
▲ 0.50% · 4.625%
HK$105,300
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,056/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,677
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,089
−HK$3,466/mo
Today · 4.125%
HK$116,555
baseline
▲ 0.50% · 4.625%
HK$123,647
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,110/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,015
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,287
−HK$3,320/mo
Today · 4.125%
HK$128,607
baseline
▲ 0.50% · 4.625%
HK$135,386
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,214/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,663 · Scale 2, in force from 26 Feb 2026)