LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,688
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,918/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$68,418
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,515
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$1,836/mo
Today · 4.125%
HK$71,162
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,324/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,826
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,091
−HK$2,301/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$82,102
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,018
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,191
−HK$2,204/mo
Today · 4.125%
HK$85,395
baseline
▲ 0.50% · 4.625%
HK$89,896
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,790/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,963
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,606
−HK$2,685/mo
Today · 4.125%
HK$90,291
baseline
▲ 0.50% · 4.625%
HK$95,785
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,582/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,521
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,056
−HK$2,571/mo
Today · 4.125%
HK$99,627
baseline
▲ 0.50% · 4.625%
HK$104,879
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,254/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,238
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,636
−HK$3,453/mo
Today · 4.125%
HK$116,089
baseline
▲ 0.50% · 4.625%
HK$123,152
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,178/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,527
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,786
−HK$3,306/mo
Today · 4.125%
HK$128,092
baseline
▲ 0.50% · 4.625%
HK$134,844
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,184/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,120 · Scale 2, in force from 26 Feb 2026)