LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,979
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,875
−HK$1,927/mo
Today · 4.125%
HK$64,802
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,604/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,838
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,657
−HK$1,846/mo
Today · 4.125%
HK$71,503
baseline
▲ 0.50% · 4.625%
HK$75,272
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,006/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,174
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,450
−HK$2,313/mo
Today · 4.125%
HK$77,763
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,526/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,406
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,589
−HK$2,215/mo
Today · 4.125%
HK$85,804
baseline
▲ 0.50% · 4.625%
HK$90,327
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,608/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,370
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,025
−HK$2,698/mo
Today · 4.125%
HK$90,723
baseline
▲ 0.50% · 4.625%
HK$96,244
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,446/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,973
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,520
−HK$2,584/mo
Today · 4.125%
HK$100,104
baseline
▲ 0.50% · 4.625%
HK$105,381
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,208/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,761
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,176
−HK$3,468/mo
Today · 4.125%
HK$116,644
baseline
▲ 0.50% · 4.625%
HK$123,742
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,288/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,108
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,383
−HK$3,323/mo
Today · 4.125%
HK$128,706
baseline
▲ 0.50% · 4.625%
HK$135,490
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,412/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,535 · Scale 2, in force from 26 Feb 2026)