LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,643
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,916/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,892/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,465
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$1,836/mo
Today · 4.125%
HK$71,110
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,220/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,772
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,036
−HK$2,299/mo
Today · 4.125%
HK$77,335
baseline
▲ 0.50% · 4.625%
HK$82,041
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,670/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,958
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,129
−HK$2,203/mo
Today · 4.125%
HK$85,332
baseline
▲ 0.50% · 4.625%
HK$89,830
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,664/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,901
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,541
−HK$2,684/mo
Today · 4.125%
HK$90,225
baseline
▲ 0.50% · 4.625%
HK$95,715
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,450/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,451
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,984
−HK$2,570/mo
Today · 4.125%
HK$99,554
baseline
▲ 0.50% · 4.625%
HK$104,802
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,108/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,158
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,553
−HK$3,450/mo
Today · 4.125%
HK$116,003
baseline
▲ 0.50% · 4.625%
HK$123,062
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,006/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,437
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,694
−HK$3,304/mo
Today · 4.125%
HK$127,998
baseline
▲ 0.50% · 4.625%
HK$134,745
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$255,996/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,285 · Scale 2, in force from 26 Feb 2026)