LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,665
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,552
−HK$1,917/mo
Today · 4.125%
HK$64,469
baseline
▲ 0.50% · 4.625%
HK$68,392
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,938/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$1,837/mo
Today · 4.125%
HK$71,136
baseline
▲ 0.50% · 4.625%
HK$74,885
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,272/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,798
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$2,300/mo
Today · 4.125%
HK$77,363
baseline
▲ 0.50% · 4.625%
HK$82,071
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,726/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,987
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,159
−HK$2,204/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$89,862
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,726/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,931
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,573
−HK$2,684/mo
Today · 4.125%
HK$90,257
baseline
▲ 0.50% · 4.625%
HK$95,749
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,514/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,485
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,019
−HK$2,571/mo
Today · 4.125%
HK$99,590
baseline
▲ 0.50% · 4.625%
HK$104,839
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,180/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,197
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,594
−HK$3,451/mo
Today · 4.125%
HK$116,045
baseline
▲ 0.50% · 4.625%
HK$123,106
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,090/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,481
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,739
−HK$3,305/mo
Today · 4.125%
HK$128,044
baseline
▲ 0.50% · 4.625%
HK$134,794
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,088/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,693 · Scale 2, in force from 26 Feb 2026)