LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,640
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,527
−HK$1,916/mo
Today · 4.125%
HK$64,443
baseline
▲ 0.50% · 4.625%
HK$68,364
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,886/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,462
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,271
−HK$1,836/mo
Today · 4.125%
HK$71,107
baseline
▲ 0.50% · 4.625%
HK$74,855
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,214/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,768
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,032
−HK$2,300/mo
Today · 4.125%
HK$77,332
baseline
▲ 0.50% · 4.625%
HK$82,037
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,664/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,954
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,125
−HK$2,203/mo
Today · 4.125%
HK$85,328
baseline
▲ 0.50% · 4.625%
HK$89,826
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,656/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,896
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,537
−HK$2,683/mo
Today · 4.125%
HK$90,220
baseline
▲ 0.50% · 4.625%
HK$95,710
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,440/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,446
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,980
−HK$2,569/mo
Today · 4.125%
HK$99,549
baseline
▲ 0.50% · 4.625%
HK$104,797
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,098/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,153
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,548
−HK$3,449/mo
Today · 4.125%
HK$115,997
baseline
▲ 0.50% · 4.625%
HK$123,056
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,994/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,431
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,688
−HK$3,304/mo
Today · 4.125%
HK$127,992
baseline
▲ 0.50% · 4.625%
HK$134,738
+HK$6,746/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,984/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,231 · Scale 2, in force from 26 Feb 2026)