LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,941
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,837
−HK$1,926/mo
Today · 4.125%
HK$64,763
baseline
▲ 0.50% · 4.625%
HK$68,703
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,526/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,796
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,615
−HK$1,844/mo
Today · 4.125%
HK$71,459
baseline
▲ 0.50% · 4.625%
HK$75,226
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,918/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,129
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,404
−HK$2,311/mo
Today · 4.125%
HK$77,715
baseline
▲ 0.50% · 4.625%
HK$82,444
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,430/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,356
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,538
−HK$2,213/mo
Today · 4.125%
HK$85,751
baseline
▲ 0.50% · 4.625%
HK$90,271
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,502/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,318
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,971
−HK$2,697/mo
Today · 4.125%
HK$90,668
baseline
▲ 0.50% · 4.625%
HK$96,185
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,336/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,915
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,461
−HK$2,582/mo
Today · 4.125%
HK$100,043
baseline
▲ 0.50% · 4.625%
HK$105,316
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,086/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,694
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,106
−HK$3,467/mo
Today · 4.125%
HK$116,573
baseline
▲ 0.50% · 4.625%
HK$123,666
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,146/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,034
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,306
−HK$3,321/mo
Today · 4.125%
HK$128,627
baseline
▲ 0.50% · 4.625%
HK$135,407
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,254/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,837 · Scale 2, in force from 26 Feb 2026)