LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,642
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,917/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,464
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$1,836/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,771
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$2,300/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$82,040
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,957
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,128
−HK$2,202/mo
Today · 4.125%
HK$85,330
baseline
▲ 0.50% · 4.625%
HK$89,828
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,660/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,899
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,683/mo
Today · 4.125%
HK$90,223
baseline
▲ 0.50% · 4.625%
HK$95,713
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,446/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,982
−HK$2,570/mo
Today · 4.125%
HK$99,552
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,104/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,156
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,551
−HK$3,450/mo
Today · 4.125%
HK$116,001
baseline
▲ 0.50% · 4.625%
HK$123,059
+HK$7,058/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$232,002/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,435
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,692
−HK$3,304/mo
Today · 4.125%
HK$127,996
baseline
▲ 0.50% · 4.625%
HK$134,742
+HK$6,746/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,992/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,264 · Scale 2, in force from 26 Feb 2026)