LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,653
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,540
−HK$1,917/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,476
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,286
−HK$1,836/mo
Today · 4.125%
HK$71,122
baseline
▲ 0.50% · 4.625%
HK$74,871
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,244/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$2,300/mo
Today · 4.125%
HK$77,348
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,707/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$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,972
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,143
−HK$2,203/mo
Today · 4.125%
HK$85,346
baseline
▲ 0.50% · 4.625%
HK$89,845
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,692/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,915
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,556
−HK$2,684/mo
Today · 4.125%
HK$90,240
baseline
▲ 0.50% · 4.625%
HK$95,731
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,480/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,467
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,000
−HK$2,571/mo
Today · 4.125%
HK$99,571
baseline
▲ 0.50% · 4.625%
HK$104,819
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,142/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,176
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,572
−HK$3,450/mo
Today · 4.125%
HK$116,022
baseline
▲ 0.50% · 4.625%
HK$123,082
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,044/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,457
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,715
−HK$3,304/mo
Today · 4.125%
HK$128,019
baseline
▲ 0.50% · 4.625%
HK$134,767
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,038/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,474 · Scale 2, in force from 26 Feb 2026)