LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,962
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,859
−HK$1,926/mo
Today · 4.125%
HK$64,785
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,570/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,639
−HK$1,845/mo
Today · 4.125%
HK$71,484
baseline
▲ 0.50% · 4.625%
HK$75,252
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,968/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,155
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,430
−HK$2,312/mo
Today · 4.125%
HK$77,742
baseline
▲ 0.50% · 4.625%
HK$82,473
+HK$4,731/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,484/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,384
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,567
−HK$2,214/mo
Today · 4.125%
HK$85,781
baseline
▲ 0.50% · 4.625%
HK$90,303
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,562/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,347
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,002
−HK$2,697/mo
Today · 4.125%
HK$90,699
baseline
▲ 0.50% · 4.625%
HK$96,218
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,398/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,948
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,494
−HK$2,584/mo
Today · 4.125%
HK$100,078
baseline
▲ 0.50% · 4.625%
HK$105,353
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,156/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,732
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,145
−HK$3,468/mo
Today · 4.125%
HK$116,613
baseline
▲ 0.50% · 4.625%
HK$123,709
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,226/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,076
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,350
−HK$3,321/mo
Today · 4.125%
HK$128,671
baseline
▲ 0.50% · 4.625%
HK$135,454
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,342/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,232 · Scale 2, in force from 26 Feb 2026)