LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,716
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,604
−HK$1,919/mo
Today · 4.125%
HK$64,523
baseline
▲ 0.50% · 4.625%
HK$68,449
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,046/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,546
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,357
−HK$1,838/mo
Today · 4.125%
HK$71,195
baseline
▲ 0.50% · 4.625%
HK$74,948
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,390/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,859
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$2,303/mo
Today · 4.125%
HK$77,428
baseline
▲ 0.50% · 4.625%
HK$82,139
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,856/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,055
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,228
−HK$2,206/mo
Today · 4.125%
HK$85,434
baseline
▲ 0.50% · 4.625%
HK$89,937
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,868/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,002
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,646
−HK$2,686/mo
Today · 4.125%
HK$90,332
baseline
▲ 0.50% · 4.625%
HK$95,829
+HK$5,497/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,664/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,564
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,100
−HK$2,573/mo
Today · 4.125%
HK$99,673
baseline
▲ 0.50% · 4.625%
HK$104,927
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,346/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,288
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,688
−HK$3,453/mo
Today · 4.125%
HK$116,141
baseline
▲ 0.50% · 4.625%
HK$123,208
+HK$7,067/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,282/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,582
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,843
−HK$3,308/mo
Today · 4.125%
HK$128,151
baseline
▲ 0.50% · 4.625%
HK$134,906
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,302/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,633 · Scale 2, in force from 26 Feb 2026)