LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,736
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,625
−HK$1,919/mo
Today · 4.125%
HK$64,544
baseline
▲ 0.50% · 4.625%
HK$68,472
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,088/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,568
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,380
−HK$1,838/mo
Today · 4.125%
HK$71,218
baseline
▲ 0.50% · 4.625%
HK$74,972
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,436/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,150
−HK$2,303/mo
Today · 4.125%
HK$77,453
baseline
▲ 0.50% · 4.625%
HK$82,166
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,906/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,081
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,256
−HK$2,206/mo
Today · 4.125%
HK$85,462
baseline
▲ 0.50% · 4.625%
HK$89,967
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,924/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,030
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,675
−HK$2,687/mo
Today · 4.125%
HK$90,362
baseline
▲ 0.50% · 4.625%
HK$95,861
+HK$5,499/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,724/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,595
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,132
−HK$2,574/mo
Today · 4.125%
HK$99,706
baseline
▲ 0.50% · 4.625%
HK$104,961
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,412/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,324
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,725
−HK$3,455/mo
Today · 4.125%
HK$116,180
baseline
▲ 0.50% · 4.625%
HK$123,249
+HK$7,069/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,360/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,622
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,884
−HK$3,309/mo
Today · 4.125%
HK$128,193
baseline
▲ 0.50% · 4.625%
HK$134,950
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,386/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,009 · Scale 2, in force from 26 Feb 2026)