LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,751
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,920/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$68,489
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,585
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,398
−HK$1,839/mo
Today · 4.125%
HK$71,237
baseline
▲ 0.50% · 4.625%
HK$74,992
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,474/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,902
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$2,304/mo
Today · 4.125%
HK$77,473
baseline
▲ 0.50% · 4.625%
HK$82,187
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,946/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,102
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,277
−HK$2,207/mo
Today · 4.125%
HK$85,484
baseline
▲ 0.50% · 4.625%
HK$89,990
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,968/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,052
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,697
−HK$2,688/mo
Today · 4.125%
HK$90,385
baseline
▲ 0.50% · 4.625%
HK$95,885
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,770/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,619
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,157
−HK$2,574/mo
Today · 4.125%
HK$99,731
baseline
▲ 0.50% · 4.625%
HK$104,988
+HK$5,257/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,462/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,352
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,754
−HK$3,456/mo
Today · 4.125%
HK$116,210
baseline
▲ 0.50% · 4.625%
HK$123,281
+HK$7,071/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,420/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,653
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,916
−HK$3,310/mo
Today · 4.125%
HK$128,226
baseline
▲ 0.50% · 4.625%
HK$134,985
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,452/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,299 · Scale 2, in force from 26 Feb 2026)