LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,641
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,916/mo
Today · 4.125%
HK$64,444
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,888/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,463
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,272
−HK$1,836/mo
Today · 4.125%
HK$71,108
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,216/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,033
−HK$2,300/mo
Today · 4.125%
HK$77,333
baseline
▲ 0.50% · 4.625%
HK$82,038
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,666/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,955
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,127
−HK$2,202/mo
Today · 4.125%
HK$85,329
baseline
▲ 0.50% · 4.625%
HK$89,827
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,658/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,898
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,539
−HK$2,683/mo
Today · 4.125%
HK$90,222
baseline
▲ 0.50% · 4.625%
HK$95,712
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,444/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,448
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,981
−HK$2,570/mo
Today · 4.125%
HK$99,551
baseline
▲ 0.50% · 4.625%
HK$104,798
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,102/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,154
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,550
−HK$3,449/mo
Today · 4.125%
HK$115,999
baseline
▲ 0.50% · 4.625%
HK$123,058
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,998/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,433
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,690
−HK$3,304/mo
Today · 4.125%
HK$127,994
baseline
▲ 0.50% · 4.625%
HK$134,741
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,988/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,249 · Scale 2, in force from 26 Feb 2026)