LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,629
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,514
−HK$1,916/mo
Today · 4.125%
HK$64,430
baseline
▲ 0.50% · 4.625%
HK$68,351
+HK$3,921/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,860/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,258
−HK$1,835/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$74,840
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,754
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,017
−HK$2,300/mo
Today · 4.125%
HK$77,317
baseline
▲ 0.50% · 4.625%
HK$82,021
+HK$4,704/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$154,634/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,938
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,109
−HK$2,202/mo
Today · 4.125%
HK$85,311
baseline
▲ 0.50% · 4.625%
HK$89,808
+HK$4,497/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$170,622/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,880
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,520
−HK$2,683/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$95,691
+HK$5,488/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,428
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,961
−HK$2,569/mo
Today · 4.125%
HK$99,530
baseline
▲ 0.50% · 4.625%
HK$104,776
+HK$5,246/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,060/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,131
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,526
−HK$3,449/mo
Today · 4.125%
HK$115,975
baseline
▲ 0.50% · 4.625%
HK$123,032
+HK$7,057/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,950/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,408
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,664
−HK$3,303/mo
Today · 4.125%
HK$127,967
baseline
▲ 0.50% · 4.625%
HK$134,712
+HK$6,745/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,934/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,010 · Scale 2, in force from 26 Feb 2026)