LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,650
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,536
−HK$1,917/mo
Today · 4.125%
HK$64,453
baseline
▲ 0.50% · 4.625%
HK$68,375
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,906/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,472
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,282
−HK$1,836/mo
Today · 4.125%
HK$71,118
baseline
▲ 0.50% · 4.625%
HK$74,866
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,236/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,780
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$2,300/mo
Today · 4.125%
HK$77,344
baseline
▲ 0.50% · 4.625%
HK$82,050
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,688/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,967
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,138
−HK$2,203/mo
Today · 4.125%
HK$85,341
baseline
▲ 0.50% · 4.625%
HK$89,840
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,682/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,910
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,551
−HK$2,684/mo
Today · 4.125%
HK$90,235
baseline
▲ 0.50% · 4.625%
HK$95,725
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,470/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,461
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,995
−HK$2,570/mo
Today · 4.125%
HK$99,565
baseline
▲ 0.50% · 4.625%
HK$104,813
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,130/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,170
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,566
−HK$3,450/mo
Today · 4.125%
HK$116,016
baseline
▲ 0.50% · 4.625%
HK$123,075
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,032/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,450
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,708
−HK$3,304/mo
Today · 4.125%
HK$128,012
baseline
▲ 0.50% · 4.625%
HK$134,760
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,024/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,409 · Scale 2, in force from 26 Feb 2026)