LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,953
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,849
−HK$1,927/mo
Today · 4.125%
HK$64,776
baseline
▲ 0.50% · 4.625%
HK$68,717
+HK$3,941/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,552/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,810
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,629
−HK$1,845/mo
Today · 4.125%
HK$71,474
baseline
▲ 0.50% · 4.625%
HK$75,241
+HK$3,767/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,948/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,144
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,419
−HK$2,312/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$82,461
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,372
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,554
−HK$2,214/mo
Today · 4.125%
HK$85,768
baseline
▲ 0.50% · 4.625%
HK$90,289
+HK$4,521/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,536/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,989
−HK$2,697/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,480
−HK$2,583/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$105,338
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,716
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,129
−HK$3,467/mo
Today · 4.125%
HK$116,596
baseline
▲ 0.50% · 4.625%
HK$123,691
+HK$7,095/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,192/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,058
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,332
−HK$3,320/mo
Today · 4.125%
HK$128,652
baseline
▲ 0.50% · 4.625%
HK$135,434
+HK$6,782/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,304/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,065 · Scale 2, in force from 26 Feb 2026)