LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,629
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,515
−HK$1,916/mo
Today · 4.125%
HK$64,431
baseline
▲ 0.50% · 4.625%
HK$68,352
+HK$3,921/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,862/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,450
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,259
−HK$1,835/mo
Today · 4.125%
HK$71,094
baseline
▲ 0.50% · 4.625%
HK$74,841
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,188/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$2,300/mo
Today · 4.125%
HK$77,318
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,704/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$154,636/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,940
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,202/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$89,809
+HK$4,497/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,881
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,521
−HK$2,683/mo
Today · 4.125%
HK$90,204
baseline
▲ 0.50% · 4.625%
HK$95,693
+HK$5,489/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,408/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,429
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,962
−HK$2,569/mo
Today · 4.125%
HK$99,531
baseline
▲ 0.50% · 4.625%
HK$104,778
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,062/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,133
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,528
−HK$3,449/mo
Today · 4.125%
HK$115,977
baseline
▲ 0.50% · 4.625%
HK$123,033
+HK$7,056/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,954/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,409
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,665
−HK$3,304/mo
Today · 4.125%
HK$127,969
baseline
▲ 0.50% · 4.625%
HK$134,714
+HK$6,745/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,938/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,027 · Scale 2, in force from 26 Feb 2026)