LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,943
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,839
−HK$1,926/mo
Today · 4.125%
HK$64,765
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,530/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,798
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,617
−HK$1,844/mo
Today · 4.125%
HK$71,461
baseline
▲ 0.50% · 4.625%
HK$75,228
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,922/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,132
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,406
−HK$2,312/mo
Today · 4.125%
HK$77,718
baseline
▲ 0.50% · 4.625%
HK$82,447
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,436/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,358
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,540
−HK$2,214/mo
Today · 4.125%
HK$85,754
baseline
▲ 0.50% · 4.625%
HK$90,274
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,508/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,320
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,697/mo
Today · 4.125%
HK$90,671
baseline
▲ 0.50% · 4.625%
HK$96,188
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,342/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,918
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,463
−HK$2,583/mo
Today · 4.125%
HK$100,046
baseline
▲ 0.50% · 4.625%
HK$105,320
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,092/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,697
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,110
−HK$3,466/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$123,670
+HK$7,094/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,037
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,310
−HK$3,321/mo
Today · 4.125%
HK$128,631
baseline
▲ 0.50% · 4.625%
HK$135,411
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,262/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,871 · Scale 2, in force from 26 Feb 2026)