LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,614
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,916/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$68,334
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,830/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,731 · 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$74,822
+HK$3,747/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$1,129,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,736
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$2,298/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$82,001
+HK$4,704/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$1,129,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,918
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,089
−HK$2,201/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$1,129,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,859
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,681/mo
Today · 4.125%
HK$90,180
baseline
▲ 0.50% · 4.625%
HK$95,668
+HK$5,488/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$1,129,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,405
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,937
−HK$2,568/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$1,129,731 · 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$1,129,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,378
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,633
−HK$3,302/mo
Today · 4.125%
HK$127,935
baseline
▲ 0.50% · 4.625%
HK$134,679
+HK$6,744/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$1,129,731 · Scale 2, in force from 26 Feb 2026)