LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,671
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,558
−HK$1,917/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$68,398
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,306
−HK$1,836/mo
Today · 4.125%
HK$71,142
baseline
▲ 0.50% · 4.625%
HK$74,892
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,284/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,805
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,069
−HK$2,301/mo
Today · 4.125%
HK$77,370
baseline
▲ 0.50% · 4.625%
HK$82,078
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,740/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,995
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,167
−HK$2,203/mo
Today · 4.125%
HK$85,370
baseline
▲ 0.50% · 4.625%
HK$89,870
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,740/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,939
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,684/mo
Today · 4.125%
HK$90,265
baseline
▲ 0.50% · 4.625%
HK$95,758
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,530/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,494
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,028
−HK$2,571/mo
Today · 4.125%
HK$99,599
baseline
▲ 0.50% · 4.625%
HK$104,849
+HK$5,250/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,198/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,207
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,604
−HK$3,451/mo
Today · 4.125%
HK$116,055
baseline
▲ 0.50% · 4.625%
HK$123,117
+HK$7,062/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,492
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,750
−HK$3,306/mo
Today · 4.125%
HK$128,056
baseline
▲ 0.50% · 4.625%
HK$134,806
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,112/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,794 · Scale 2, in force from 26 Feb 2026)