LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,936
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,831
−HK$1,926/mo
Today · 4.125%
HK$64,757
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,514/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,790
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,608
−HK$1,845/mo
Today · 4.125%
HK$71,453
baseline
▲ 0.50% · 4.625%
HK$75,219
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,906/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,123
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,397
−HK$2,311/mo
Today · 4.125%
HK$77,708
baseline
▲ 0.50% · 4.625%
HK$82,437
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,416/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,348
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,530
−HK$2,213/mo
Today · 4.125%
HK$85,743
baseline
▲ 0.50% · 4.625%
HK$90,263
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,486/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,310
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,964
−HK$2,696/mo
Today · 4.125%
HK$90,660
baseline
▲ 0.50% · 4.625%
HK$96,176
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,320/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,907
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,452
−HK$2,582/mo
Today · 4.125%
HK$100,034
baseline
▲ 0.50% · 4.625%
HK$105,307
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,068/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,684
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,096
−HK$3,466/mo
Today · 4.125%
HK$116,562
baseline
▲ 0.50% · 4.625%
HK$123,655
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,124/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,023
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,295
−HK$3,320/mo
Today · 4.125%
HK$128,615
baseline
▲ 0.50% · 4.625%
HK$135,395
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,230/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,736 · Scale 2, in force from 26 Feb 2026)