LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,950
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,845
−HK$1,927/mo
Today · 4.125%
HK$64,772
baseline
▲ 0.50% · 4.625%
HK$68,713
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,544/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,806
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,624
−HK$1,845/mo
Today · 4.125%
HK$71,469
baseline
▲ 0.50% · 4.625%
HK$75,236
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,938/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,139
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,414
−HK$2,312/mo
Today · 4.125%
HK$77,726
baseline
▲ 0.50% · 4.625%
HK$82,455
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,452/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,367
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,549
−HK$2,214/mo
Today · 4.125%
HK$85,763
baseline
▲ 0.50% · 4.625%
HK$90,284
+HK$4,521/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,526/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,329
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,984
−HK$2,696/mo
Today · 4.125%
HK$90,680
baseline
▲ 0.50% · 4.625%
HK$96,198
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,360/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,928
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,474
−HK$2,583/mo
Today · 4.125%
HK$100,057
baseline
▲ 0.50% · 4.625%
HK$105,331
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,114/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,709
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,122
−HK$3,467/mo
Today · 4.125%
HK$116,589
baseline
▲ 0.50% · 4.625%
HK$123,683
+HK$7,094/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,178/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,050
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,324
−HK$3,320/mo
Today · 4.125%
HK$128,644
baseline
▲ 0.50% · 4.625%
HK$135,425
+HK$6,781/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,288/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,993 · Scale 2, in force from 26 Feb 2026)