LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,650
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,537
−HK$1,917/mo
Today · 4.125%
HK$64,454
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,908/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,473
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,283
−HK$1,835/mo
Today · 4.125%
HK$71,118
baseline
▲ 0.50% · 4.625%
HK$74,867
+HK$3,749/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$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,781
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$2,301/mo
Today · 4.125%
HK$77,345
baseline
▲ 0.50% · 4.625%
HK$82,051
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,690/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,968
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,139
−HK$2,203/mo
Today · 4.125%
HK$85,342
baseline
▲ 0.50% · 4.625%
HK$89,841
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,684/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,911
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,552
−HK$2,683/mo
Today · 4.125%
HK$90,235
baseline
▲ 0.50% · 4.625%
HK$95,726
+HK$5,491/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$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,462
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,996
−HK$2,570/mo
Today · 4.125%
HK$99,566
baseline
▲ 0.50% · 4.625%
HK$104,814
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,132/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,567
−HK$3,450/mo
Today · 4.125%
HK$116,017
baseline
▲ 0.50% · 4.625%
HK$123,076
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,034/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,451
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,709
−HK$3,304/mo
Today · 4.125%
HK$128,013
baseline
▲ 0.50% · 4.625%
HK$134,761
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,026/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,419 · Scale 2, in force from 26 Feb 2026)