LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,990
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,927/mo
Today · 4.125%
HK$64,814
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,628/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$1,846/mo
Today · 4.125%
HK$71,516
baseline
▲ 0.50% · 4.625%
HK$75,286
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,032/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,187
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,464
−HK$2,313/mo
Today · 4.125%
HK$77,777
baseline
▲ 0.50% · 4.625%
HK$82,509
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,554/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,420
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,604
−HK$2,215/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,385
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,041
−HK$2,699/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$96,261
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,990
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,538
−HK$2,584/mo
Today · 4.125%
HK$100,122
baseline
▲ 0.50% · 4.625%
HK$105,400
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,244/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,781
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,196
−HK$3,469/mo
Today · 4.125%
HK$116,665
baseline
▲ 0.50% · 4.625%
HK$123,764
+HK$7,099/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,330/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,130
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,406
−HK$3,323/mo
Today · 4.125%
HK$128,729
baseline
▲ 0.50% · 4.625%
HK$135,514
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,458/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,738 · Scale 2, in force from 26 Feb 2026)