LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,985
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,927/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,753
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,845
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,665
−HK$1,846/mo
Today · 4.125%
HK$71,511
baseline
▲ 0.50% · 4.625%
HK$75,280
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,022/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,182
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,459
−HK$2,312/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$82,504
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,414
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,598
−HK$2,215/mo
Today · 4.125%
HK$85,813
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,626/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,379
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,035
−HK$2,698/mo
Today · 4.125%
HK$90,733
baseline
▲ 0.50% · 4.625%
HK$96,254
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,466/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,984
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,531
−HK$2,584/mo
Today · 4.125%
HK$100,115
baseline
▲ 0.50% · 4.625%
HK$105,392
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,230/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,773
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,188
−HK$3,469/mo
Today · 4.125%
HK$116,657
baseline
▲ 0.50% · 4.625%
HK$123,755
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,314/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,122
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,397
−HK$3,323/mo
Today · 4.125%
HK$128,720
baseline
▲ 0.50% · 4.625%
HK$135,505
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,440/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,658 · Scale 2, in force from 26 Feb 2026)