LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,679
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,918/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$68,408
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,505
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,315
−HK$1,837/mo
Today · 4.125%
HK$71,152
baseline
▲ 0.50% · 4.625%
HK$74,902
+HK$3,750/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,304/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$2,301/mo
Today · 4.125%
HK$77,381
baseline
▲ 0.50% · 4.625%
HK$82,089
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,762/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,178
−HK$2,204/mo
Today · 4.125%
HK$85,382
baseline
▲ 0.50% · 4.625%
HK$89,883
+HK$4,501/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,764/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,951
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,593
−HK$2,685/mo
Today · 4.125%
HK$90,278
baseline
▲ 0.50% · 4.625%
HK$95,771
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,556/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,507
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,041
−HK$2,572/mo
Today · 4.125%
HK$99,613
baseline
▲ 0.50% · 4.625%
HK$104,863
+HK$5,250/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,226/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,222
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,620
−HK$3,451/mo
Today · 4.125%
HK$116,071
baseline
▲ 0.50% · 4.625%
HK$123,134
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,142/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,509
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,767
−HK$3,306/mo
Today · 4.125%
HK$128,073
baseline
▲ 0.50% · 4.625%
HK$134,824
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,146/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,951 · Scale 2, in force from 26 Feb 2026)