LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,700
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,588
−HK$1,919/mo
Today · 4.125%
HK$64,507
baseline
▲ 0.50% · 4.625%
HK$68,432
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,014/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,528
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,340
−HK$1,837/mo
Today · 4.125%
HK$71,177
baseline
▲ 0.50% · 4.625%
HK$74,929
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,354/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,840
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,106
−HK$2,302/mo
Today · 4.125%
HK$77,408
baseline
▲ 0.50% · 4.625%
HK$82,118
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,816/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,034
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,207
−HK$2,205/mo
Today · 4.125%
HK$85,412
baseline
▲ 0.50% · 4.625%
HK$89,914
+HK$4,502/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,824/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,980
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,624
−HK$2,685/mo
Today · 4.125%
HK$90,309
baseline
▲ 0.50% · 4.625%
HK$95,805
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$180,618/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,540
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,075
−HK$2,573/mo
Today · 4.125%
HK$99,648
baseline
▲ 0.50% · 4.625%
HK$104,900
+HK$5,252/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$199,296/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,261
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,659
−HK$3,453/mo
Today · 4.125%
HK$116,112
baseline
▲ 0.50% · 4.625%
HK$123,177
+HK$7,065/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,224/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,551
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,811
−HK$3,307/mo
Today · 4.125%
HK$128,118
baseline
▲ 0.50% · 4.625%
HK$134,872
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,236/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,348 · Scale 2, in force from 26 Feb 2026)