LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,668
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,555
−HK$1,917/mo
Today · 4.125%
HK$64,472
baseline
▲ 0.50% · 4.625%
HK$68,395
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,944/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,493
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$1,836/mo
Today · 4.125%
HK$71,139
baseline
▲ 0.50% · 4.625%
HK$74,889
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,278/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,802
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,066
−HK$2,301/mo
Today · 4.125%
HK$77,367
baseline
▲ 0.50% · 4.625%
HK$82,074
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,734/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,991
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,163
−HK$2,204/mo
Today · 4.125%
HK$85,367
baseline
▲ 0.50% · 4.625%
HK$89,867
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,734/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,935
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,684/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,754
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,490
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,024
−HK$2,571/mo
Today · 4.125%
HK$99,595
baseline
▲ 0.50% · 4.625%
HK$104,844
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,190/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,202
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,599
−HK$3,451/mo
Today · 4.125%
HK$116,050
baseline
▲ 0.50% · 4.625%
HK$123,112
+HK$7,062/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,100/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,487
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,745
−HK$3,305/mo
Today · 4.125%
HK$128,050
baseline
▲ 0.50% · 4.625%
HK$134,800
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,100/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,746 · Scale 2, in force from 26 Feb 2026)