LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,969
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,865
−HK$1,927/mo
Today · 4.125%
HK$64,792
baseline
▲ 0.50% · 4.625%
HK$68,734
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,584/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,827
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,646
−HK$1,845/mo
Today · 4.125%
HK$71,491
baseline
▲ 0.50% · 4.625%
HK$75,260
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,982/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,162
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,438
−HK$2,312/mo
Today · 4.125%
HK$77,750
baseline
▲ 0.50% · 4.625%
HK$82,481
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,500/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,392
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,575
−HK$2,215/mo
Today · 4.125%
HK$85,790
baseline
▲ 0.50% · 4.625%
HK$90,312
+HK$4,522/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,580/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,356
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,011
−HK$2,697/mo
Today · 4.125%
HK$90,708
baseline
▲ 0.50% · 4.625%
HK$96,228
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,416/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,958
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,504
−HK$2,584/mo
Today · 4.125%
HK$100,088
baseline
▲ 0.50% · 4.625%
HK$105,364
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,176/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,743
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,157
−HK$3,468/mo
Today · 4.125%
HK$116,625
baseline
▲ 0.50% · 4.625%
HK$123,722
+HK$7,097/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,250/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,088
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,363
−HK$3,321/mo
Today · 4.125%
HK$128,684
baseline
▲ 0.50% · 4.625%
HK$135,468
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,368/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,347 · Scale 2, in force from 26 Feb 2026)