LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,728
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,617
−HK$1,920/mo
Today · 4.125%
HK$64,537
baseline
▲ 0.50% · 4.625%
HK$68,463
+HK$3,926/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,074/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,560
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$1,838/mo
Today · 4.125%
HK$71,210
baseline
▲ 0.50% · 4.625%
HK$74,963
+HK$3,753/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,420/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,874
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,141
−HK$2,303/mo
Today · 4.125%
HK$77,444
baseline
▲ 0.50% · 4.625%
HK$82,156
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,888/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,072
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,246
−HK$2,206/mo
Today · 4.125%
HK$85,452
baseline
▲ 0.50% · 4.625%
HK$89,956
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,904/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,020
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,664
−HK$2,687/mo
Today · 4.125%
HK$90,351
baseline
▲ 0.50% · 4.625%
HK$95,849
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,702/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,584
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,120
−HK$2,574/mo
Today · 4.125%
HK$99,694
baseline
▲ 0.50% · 4.625%
HK$104,949
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,388/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,311
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,711
−HK$3,455/mo
Today · 4.125%
HK$116,166
baseline
▲ 0.50% · 4.625%
HK$123,234
+HK$7,068/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,607
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,869
−HK$3,309/mo
Today · 4.125%
HK$128,178
baseline
▲ 0.50% · 4.625%
HK$134,934
+HK$6,756/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,356/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,871 · Scale 2, in force from 26 Feb 2026)