LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,981
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,878
−HK$1,927/mo
Today · 4.125%
HK$64,805
baseline
▲ 0.50% · 4.625%
HK$68,749
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,610/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,841
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$1,845/mo
Today · 4.125%
HK$71,506
baseline
▲ 0.50% · 4.625%
HK$75,276
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,012/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,178
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,454
−HK$2,313/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$82,498
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,409
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,593
−HK$2,215/mo
Today · 4.125%
HK$85,808
baseline
▲ 0.50% · 4.625%
HK$90,331
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,616/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,374
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,030
−HK$2,698/mo
Today · 4.125%
HK$90,728
baseline
▲ 0.50% · 4.625%
HK$96,248
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,456/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,978
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,525
−HK$2,584/mo
Today · 4.125%
HK$100,109
baseline
▲ 0.50% · 4.625%
HK$105,386
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,218/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,767
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,181
−HK$3,469/mo
Today · 4.125%
HK$116,650
baseline
▲ 0.50% · 4.625%
HK$123,748
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,300/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,114
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,389
−HK$3,323/mo
Today · 4.125%
HK$128,712
baseline
▲ 0.50% · 4.625%
HK$135,496
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,424/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,587 · Scale 2, in force from 26 Feb 2026)