LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,657
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,544
−HK$1,917/mo
Today · 4.125%
HK$64,461
baseline
▲ 0.50% · 4.625%
HK$68,383
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,922/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,481
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$1,836/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,789
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,053
−HK$2,300/mo
Today · 4.125%
HK$77,353
baseline
▲ 0.50% · 4.625%
HK$82,060
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,706/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,977
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,148
−HK$2,204/mo
Today · 4.125%
HK$85,352
baseline
▲ 0.50% · 4.625%
HK$89,851
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,704/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,920
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,562
−HK$2,683/mo
Today · 4.125%
HK$90,245
baseline
▲ 0.50% · 4.625%
HK$95,737
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,490/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,473
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,006
−HK$2,571/mo
Today · 4.125%
HK$99,577
baseline
▲ 0.50% · 4.625%
HK$104,826
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,154/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,183
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,579
−HK$3,451/mo
Today · 4.125%
HK$116,030
baseline
▲ 0.50% · 4.625%
HK$123,090
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,060/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,465
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,723
−HK$3,304/mo
Today · 4.125%
HK$128,027
baseline
▲ 0.50% · 4.625%
HK$134,776
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,054/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,545 · Scale 2, in force from 26 Feb 2026)