LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,753
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,642
−HK$1,920/mo
Today · 4.125%
HK$64,562
baseline
▲ 0.50% · 4.625%
HK$68,491
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,124/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,587
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,399
−HK$1,839/mo
Today · 4.125%
HK$71,238
baseline
▲ 0.50% · 4.625%
HK$74,993
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,476/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,903
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,171
−HK$2,304/mo
Today · 4.125%
HK$77,475
baseline
▲ 0.50% · 4.625%
HK$82,189
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,950/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,104
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,279
−HK$2,207/mo
Today · 4.125%
HK$85,486
baseline
▲ 0.50% · 4.625%
HK$89,992
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,972/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,054
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,699
−HK$2,688/mo
Today · 4.125%
HK$90,387
baseline
▲ 0.50% · 4.625%
HK$95,887
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,774/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,622
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,159
−HK$2,575/mo
Today · 4.125%
HK$99,734
baseline
▲ 0.50% · 4.625%
HK$104,991
+HK$5,257/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,468/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,355
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$112,756
−HK$3,456/mo
Today · 4.125%
HK$116,212
baseline
▲ 0.50% · 4.625%
HK$123,284
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,424/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,656
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,919
−HK$3,310/mo
Today · 4.125%
HK$128,229
baseline
▲ 0.50% · 4.625%
HK$134,988
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,458/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,325 · Scale 2, in force from 26 Feb 2026)