LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,712
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,600
−HK$1,919/mo
Today · 4.125%
HK$64,519
baseline
▲ 0.50% · 4.625%
HK$68,444
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,038/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,541
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,352
−HK$1,838/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$74,943
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$2,302/mo
Today · 4.125%
HK$77,422
baseline
▲ 0.50% · 4.625%
HK$82,133
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,844/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,049
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,223
−HK$2,205/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$89,931
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,996
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,640
−HK$2,686/mo
Today · 4.125%
HK$90,326
baseline
▲ 0.50% · 4.625%
HK$95,822
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,652/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,557
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,093
−HK$2,573/mo
Today · 4.125%
HK$99,666
baseline
▲ 0.50% · 4.625%
HK$104,920
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,332/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,281
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,680
−HK$3,454/mo
Today · 4.125%
HK$116,134
baseline
▲ 0.50% · 4.625%
HK$123,200
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,268/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,574
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,834
−HK$3,308/mo
Today · 4.125%
HK$128,142
baseline
▲ 0.50% · 4.625%
HK$134,897
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,284/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,557 · Scale 2, in force from 26 Feb 2026)