LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,988
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,885
−HK$1,928/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,756
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$1,846/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,284
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,186
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,462
−HK$2,313/mo
Today · 4.125%
HK$77,775
baseline
▲ 0.50% · 4.625%
HK$82,508
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,550/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,602
−HK$2,215/mo
Today · 4.125%
HK$85,817
baseline
▲ 0.50% · 4.625%
HK$90,341
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,634/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,384
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,040
−HK$2,698/mo
Today · 4.125%
HK$90,738
baseline
▲ 0.50% · 4.625%
HK$96,259
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,476/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,988
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,536
−HK$2,584/mo
Today · 4.125%
HK$100,120
baseline
▲ 0.50% · 4.625%
HK$105,398
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,240/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,779
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,194
−HK$3,469/mo
Today · 4.125%
HK$116,663
baseline
▲ 0.50% · 4.625%
HK$123,762
+HK$7,099/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,326/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,128
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,403
−HK$3,323/mo
Today · 4.125%
HK$128,726
baseline
▲ 0.50% · 4.625%
HK$135,511
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,452/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,716 · Scale 2, in force from 26 Feb 2026)