LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,667
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,917/mo
Today · 4.125%
HK$64,471
baseline
▲ 0.50% · 4.625%
HK$68,394
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,942/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,491
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,301
−HK$1,837/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$74,887
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,800
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,065
−HK$2,300/mo
Today · 4.125%
HK$77,365
baseline
▲ 0.50% · 4.625%
HK$82,073
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,730/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,990
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,162
−HK$2,203/mo
Today · 4.125%
HK$85,365
baseline
▲ 0.50% · 4.625%
HK$89,865
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,730/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,576
−HK$2,684/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,752
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,488
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,022
−HK$2,571/mo
Today · 4.125%
HK$99,593
baseline
▲ 0.50% · 4.625%
HK$104,842
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,186/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,200
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,597
−HK$3,451/mo
Today · 4.125%
HK$116,048
baseline
▲ 0.50% · 4.625%
HK$123,109
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,096/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,484
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,742
−HK$3,306/mo
Today · 4.125%
HK$128,048
baseline
▲ 0.50% · 4.625%
HK$134,797
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,096/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,725 · Scale 2, in force from 26 Feb 2026)