LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,676
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,563
−HK$1,918/mo
Today · 4.125%
HK$64,481
baseline
▲ 0.50% · 4.625%
HK$68,404
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,962/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,501
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$1,837/mo
Today · 4.125%
HK$71,148
baseline
▲ 0.50% · 4.625%
HK$74,898
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,296/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,811
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,076
−HK$2,301/mo
Today · 4.125%
HK$77,377
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,754/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,174
−HK$2,204/mo
Today · 4.125%
HK$85,378
baseline
▲ 0.50% · 4.625%
HK$89,878
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,756/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,946
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,685/mo
Today · 4.125%
HK$90,273
baseline
▲ 0.50% · 4.625%
HK$95,766
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,546/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,501
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,036
−HK$2,571/mo
Today · 4.125%
HK$99,607
baseline
▲ 0.50% · 4.625%
HK$104,858
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,214/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,216
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,613
−HK$3,452/mo
Today · 4.125%
HK$116,065
baseline
▲ 0.50% · 4.625%
HK$123,127
+HK$7,062/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,130/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,502
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,761
−HK$3,305/mo
Today · 4.125%
HK$128,066
baseline
▲ 0.50% · 4.625%
HK$134,817
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,132/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,889 · Scale 2, in force from 26 Feb 2026)