LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,984
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,881
−HK$1,927/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,752
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,844
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$1,846/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,279
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,181
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,457
−HK$2,313/mo
Today · 4.125%
HK$77,770
baseline
▲ 0.50% · 4.625%
HK$82,502
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,540/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,413
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,596
−HK$2,216/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$90,335
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,378
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,033
−HK$2,699/mo
Today · 4.125%
HK$90,732
baseline
▲ 0.50% · 4.625%
HK$96,252
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,464/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,982
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,529
−HK$2,584/mo
Today · 4.125%
HK$100,113
baseline
▲ 0.50% · 4.625%
HK$105,391
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,226/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,771
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,186
−HK$3,469/mo
Today · 4.125%
HK$116,655
baseline
▲ 0.50% · 4.625%
HK$123,753
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,310/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,120
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,395
−HK$3,322/mo
Today · 4.125%
HK$128,717
baseline
▲ 0.50% · 4.625%
HK$135,502
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,434/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,637 · Scale 2, in force from 26 Feb 2026)