LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,735
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,919/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$68,471
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,567
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,379
−HK$1,838/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$74,971
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,882
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,149
−HK$2,303/mo
Today · 4.125%
HK$77,452
baseline
▲ 0.50% · 4.625%
HK$82,165
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,904/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,255
−HK$2,206/mo
Today · 4.125%
HK$85,461
baseline
▲ 0.50% · 4.625%
HK$89,965
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,922/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,029
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,674
−HK$2,687/mo
Today · 4.125%
HK$90,361
baseline
▲ 0.50% · 4.625%
HK$95,859
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,722/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,594
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,131
−HK$2,573/mo
Today · 4.125%
HK$99,704
baseline
▲ 0.50% · 4.625%
HK$104,960
+HK$5,256/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,408/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,323
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,723
−HK$3,455/mo
Today · 4.125%
HK$116,178
baseline
▲ 0.50% · 4.625%
HK$123,247
+HK$7,069/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,356/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,620
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,882
−HK$3,309/mo
Today · 4.125%
HK$128,191
baseline
▲ 0.50% · 4.625%
HK$134,948
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,382/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,991 · Scale 2, in force from 26 Feb 2026)