LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,946
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,842
−HK$1,926/mo
Today · 4.125%
HK$64,768
baseline
▲ 0.50% · 4.625%
HK$68,709
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,536/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,802
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,621
−HK$1,844/mo
Today · 4.125%
HK$71,465
baseline
▲ 0.50% · 4.625%
HK$75,232
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,930/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,136
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$2,312/mo
Today · 4.125%
HK$77,722
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,444/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,363
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,545
−HK$2,213/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,279
+HK$4,521/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,325
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,979
−HK$2,696/mo
Today · 4.125%
HK$90,675
baseline
▲ 0.50% · 4.625%
HK$96,193
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,350/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,923
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,469
−HK$2,582/mo
Today · 4.125%
HK$100,051
baseline
▲ 0.50% · 4.625%
HK$105,325
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,102/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,703
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,116
−HK$3,467/mo
Today · 4.125%
HK$116,583
baseline
▲ 0.50% · 4.625%
HK$123,676
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,166/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,044
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,317
−HK$3,320/mo
Today · 4.125%
HK$128,637
baseline
▲ 0.50% · 4.625%
HK$135,418
+HK$6,781/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,274/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,933 · Scale 2, in force from 26 Feb 2026)