LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,645
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,531
−HK$1,917/mo
Today · 4.125%
HK$64,448
baseline
▲ 0.50% · 4.625%
HK$68,370
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,896/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,467
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,276
−HK$1,836/mo
Today · 4.125%
HK$71,112
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,224/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,774
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,038
−HK$2,300/mo
Today · 4.125%
HK$77,338
baseline
▲ 0.50% · 4.625%
HK$82,043
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,676/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,960
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,132
−HK$2,202/mo
Today · 4.125%
HK$85,334
baseline
▲ 0.50% · 4.625%
HK$89,833
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,668/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,903
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,544
−HK$2,683/mo
Today · 4.125%
HK$90,227
baseline
▲ 0.50% · 4.625%
HK$95,717
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,454/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,454
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,987
−HK$2,570/mo
Today · 4.125%
HK$99,557
baseline
▲ 0.50% · 4.625%
HK$104,805
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,114/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,161
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,557
−HK$3,449/mo
Today · 4.125%
HK$116,006
baseline
▲ 0.50% · 4.625%
HK$123,065
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,012/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,441
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,698
−HK$3,304/mo
Today · 4.125%
HK$128,002
baseline
▲ 0.50% · 4.625%
HK$134,749
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,004/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,318 · Scale 2, in force from 26 Feb 2026)