LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,964
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,861
−HK$1,926/mo
Today · 4.125%
HK$64,787
baseline
▲ 0.50% · 4.625%
HK$68,730
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,574/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,822
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$1,846/mo
Today · 4.125%
HK$71,487
baseline
▲ 0.50% · 4.625%
HK$75,255
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,974/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,157
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,433
−HK$2,312/mo
Today · 4.125%
HK$77,745
baseline
▲ 0.50% · 4.625%
HK$82,475
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,490/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,387
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,569
−HK$2,215/mo
Today · 4.125%
HK$85,784
baseline
▲ 0.50% · 4.625%
HK$90,306
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,568/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,350
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,005
−HK$2,697/mo
Today · 4.125%
HK$90,702
baseline
▲ 0.50% · 4.625%
HK$96,221
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,404/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,951
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,498
−HK$2,583/mo
Today · 4.125%
HK$100,081
baseline
▲ 0.50% · 4.625%
HK$105,357
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,162/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,736
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,149
−HK$3,468/mo
Today · 4.125%
HK$116,617
baseline
▲ 0.50% · 4.625%
HK$123,713
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,234/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,080
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,354
−HK$3,322/mo
Today · 4.125%
HK$128,676
baseline
▲ 0.50% · 4.625%
HK$135,458
+HK$6,782/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,352/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,271 · Scale 2, in force from 26 Feb 2026)