LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,691
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,579
−HK$1,918/mo
Today · 4.125%
HK$64,497
baseline
▲ 0.50% · 4.625%
HK$68,422
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,994/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,518
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,329
−HK$1,837/mo
Today · 4.125%
HK$71,166
baseline
▲ 0.50% · 4.625%
HK$74,918
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,332/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,830
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,095
−HK$2,302/mo
Today · 4.125%
HK$77,397
baseline
▲ 0.50% · 4.625%
HK$82,106
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,794/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,022
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,195
−HK$2,204/mo
Today · 4.125%
HK$85,399
baseline
▲ 0.50% · 4.625%
HK$89,901
+HK$4,502/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,798/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,968
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,611
−HK$2,685/mo
Today · 4.125%
HK$90,296
baseline
▲ 0.50% · 4.625%
HK$95,790
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,592/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,526
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,061
−HK$2,572/mo
Today · 4.125%
HK$99,633
baseline
▲ 0.50% · 4.625%
HK$104,885
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,266/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,244
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,642
−HK$3,453/mo
Today · 4.125%
HK$116,095
baseline
▲ 0.50% · 4.625%
HK$123,159
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,190/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,533
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,793
−HK$3,306/mo
Today · 4.125%
HK$128,099
baseline
▲ 0.50% · 4.625%
HK$134,852
+HK$6,753/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,180 · Scale 2, in force from 26 Feb 2026)