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$68,735
+HK$3,943/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$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,827
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,646
−HK$1,846/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,260
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,163
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,438
−HK$2,313/mo
Today · 4.125%
HK$77,751
baseline
▲ 0.50% · 4.625%
HK$82,481
+HK$4,730/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,502/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,576
−HK$2,214/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$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,356
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,011
−HK$2,698/mo
Today · 4.125%
HK$90,709
baseline
▲ 0.50% · 4.625%
HK$96,228
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,418/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,958
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,505
−HK$2,583/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$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,744
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,158
−HK$3,468/mo
Today · 4.125%
HK$116,626
baseline
▲ 0.50% · 4.625%
HK$123,722
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,252/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,089
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,363
−HK$3,322/mo
Today · 4.125%
HK$128,685
baseline
▲ 0.50% · 4.625%
HK$135,468
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,370/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,353 · Scale 2, in force from 26 Feb 2026)