LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,960
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,856
−HK$1,926/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,817
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$1,845/mo
Today · 4.125%
HK$71,481
baseline
▲ 0.50% · 4.625%
HK$75,249
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,962/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,152
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,427
−HK$2,312/mo
Today · 4.125%
HK$77,739
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,478/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,214/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,299
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,343
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,998
−HK$2,697/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$96,214
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,944
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,490
−HK$2,583/mo
Today · 4.125%
HK$100,073
baseline
▲ 0.50% · 4.625%
HK$105,348
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,146/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,727
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,140
−HK$3,468/mo
Today · 4.125%
HK$116,608
baseline
▲ 0.50% · 4.625%
HK$123,703
+HK$7,095/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,216/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,071
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,344
−HK$3,322/mo
Today · 4.125%
HK$128,666
baseline
▲ 0.50% · 4.625%
HK$135,448
+HK$6,782/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,332/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,181 · Scale 2, in force from 26 Feb 2026)