LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,992
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,889
−HK$1,928/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,760
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,853
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,673
−HK$1,846/mo
Today · 4.125%
HK$71,519
baseline
▲ 0.50% · 4.625%
HK$75,288
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,038/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,190
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,467
−HK$2,313/mo
Today · 4.125%
HK$77,780
baseline
▲ 0.50% · 4.625%
HK$82,513
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,560/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,423
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,607
−HK$2,215/mo
Today · 4.125%
HK$85,822
baseline
▲ 0.50% · 4.625%
HK$90,346
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,644/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,389
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,698/mo
Today · 4.125%
HK$90,743
baseline
▲ 0.50% · 4.625%
HK$96,265
+HK$5,522/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,486/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,994
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,542
−HK$2,584/mo
Today · 4.125%
HK$100,126
baseline
▲ 0.50% · 4.625%
HK$105,404
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,252/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,785
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,200
−HK$3,470/mo
Today · 4.125%
HK$116,670
baseline
▲ 0.50% · 4.625%
HK$123,769
+HK$7,099/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,340/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,135
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,411
−HK$3,323/mo
Today · 4.125%
HK$128,734
baseline
▲ 0.50% · 4.625%
HK$135,519
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,468/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,781 · Scale 2, in force from 26 Feb 2026)