LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,732
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,919/mo
Today · 4.125%
HK$64,541
baseline
▲ 0.50% · 4.625%
HK$68,468
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,082/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,564
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,376
−HK$1,839/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$74,968
+HK$3,753/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,879
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,146
−HK$2,303/mo
Today · 4.125%
HK$77,449
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,898/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,077
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,252
−HK$2,205/mo
Today · 4.125%
HK$85,457
baseline
▲ 0.50% · 4.625%
HK$89,962
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,914/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,025
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,670
−HK$2,687/mo
Today · 4.125%
HK$90,357
baseline
▲ 0.50% · 4.625%
HK$95,855
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,714/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,590
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,127
−HK$2,573/mo
Today · 4.125%
HK$99,700
baseline
▲ 0.50% · 4.625%
HK$104,956
+HK$5,256/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,400/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,318
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,719
−HK$3,455/mo
Today · 4.125%
HK$116,174
baseline
▲ 0.50% · 4.625%
HK$123,243
+HK$7,069/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,616
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,877
−HK$3,309/mo
Today · 4.125%
HK$128,186
baseline
▲ 0.50% · 4.625%
HK$134,943
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,372/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,948 · Scale 2, in force from 26 Feb 2026)