LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,686
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,573
−HK$1,918/mo
Today · 4.125%
HK$64,491
baseline
▲ 0.50% · 4.625%
HK$68,415
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,982/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,512
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$1,837/mo
Today · 4.125%
HK$71,160
baseline
▲ 0.50% · 4.625%
HK$74,911
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,320/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,823
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,088
−HK$2,301/mo
Today · 4.125%
HK$77,389
baseline
▲ 0.50% · 4.625%
HK$82,098
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,778/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,015
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,187
−HK$2,205/mo
Today · 4.125%
HK$85,392
baseline
▲ 0.50% · 4.625%
HK$89,893
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,784/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,960
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,603
−HK$2,685/mo
Today · 4.125%
HK$90,288
baseline
▲ 0.50% · 4.625%
HK$95,781
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,576/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,517
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,052
−HK$2,571/mo
Today · 4.125%
HK$99,623
baseline
▲ 0.50% · 4.625%
HK$104,875
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,246/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,234
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,632
−HK$3,452/mo
Today · 4.125%
HK$116,084
baseline
▲ 0.50% · 4.625%
HK$123,147
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,168/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,522
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,781
−HK$3,306/mo
Today · 4.125%
HK$128,087
baseline
▲ 0.50% · 4.625%
HK$134,839
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,174/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,074 · Scale 2, in force from 26 Feb 2026)