LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,613
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,915/mo
Today · 4.125%
HK$64,414
baseline
▲ 0.50% · 4.625%
HK$68,334
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,828/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,432
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,240
−HK$1,835/mo
Today · 4.125%
HK$71,075
baseline
▲ 0.50% · 4.625%
HK$74,821
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,150/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,736
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,998
−HK$2,299/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$82,000
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,918
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,088
−HK$2,202/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$89,786
+HK$4,496/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,859
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,498
−HK$2,682/mo
Today · 4.125%
HK$90,180
baseline
▲ 0.50% · 4.625%
HK$95,667
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,360/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,404
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,936
−HK$2,569/mo
Today · 4.125%
HK$99,505
baseline
▲ 0.50% · 4.625%
HK$104,750
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,010/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,104
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,498
−HK$3,448/mo
Today · 4.125%
HK$115,946
baseline
▲ 0.50% · 4.625%
HK$123,001
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,892/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,377
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,632
−HK$3,303/mo
Today · 4.125%
HK$127,935
baseline
▲ 0.50% · 4.625%
HK$134,678
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,870/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,726 · Scale 2, in force from 26 Feb 2026)