LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,653
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,539
−HK$1,917/mo
Today · 4.125%
HK$64,456
baseline
▲ 0.50% · 4.625%
HK$68,378
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,912/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,476
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,285
−HK$1,836/mo
Today · 4.125%
HK$71,121
baseline
▲ 0.50% · 4.625%
HK$74,870
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,242/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,783
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,047
−HK$2,301/mo
Today · 4.125%
HK$77,348
baseline
▲ 0.50% · 4.625%
HK$82,054
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,696/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,971
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,142
−HK$2,203/mo
Today · 4.125%
HK$85,345
baseline
▲ 0.50% · 4.625%
HK$89,844
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,690/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,914
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,555
−HK$2,684/mo
Today · 4.125%
HK$90,239
baseline
▲ 0.50% · 4.625%
HK$95,730
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,478/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,466
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,999
−HK$2,571/mo
Today · 4.125%
HK$99,570
baseline
▲ 0.50% · 4.625%
HK$104,818
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,140/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,175
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,571
−HK$3,450/mo
Today · 4.125%
HK$116,021
baseline
▲ 0.50% · 4.625%
HK$123,081
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,042/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,456
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,714
−HK$3,304/mo
Today · 4.125%
HK$128,018
baseline
▲ 0.50% · 4.625%
HK$134,766
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,036/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,464 · Scale 2, in force from 26 Feb 2026)