LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,757
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,647
−HK$1,920/mo
Today · 4.125%
HK$64,567
baseline
▲ 0.50% · 4.625%
HK$68,496
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,134/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,591
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,404
−HK$1,839/mo
Today · 4.125%
HK$71,243
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,486/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,908
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$2,304/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,110
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,285
−HK$2,207/mo
Today · 4.125%
HK$85,492
baseline
▲ 0.50% · 4.625%
HK$89,998
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,984/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,060
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,705
−HK$2,689/mo
Today · 4.125%
HK$90,394
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,788/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,628
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,166
−HK$2,574/mo
Today · 4.125%
HK$99,740
baseline
▲ 0.50% · 4.625%
HK$104,998
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,480/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,362
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,764
−HK$3,456/mo
Today · 4.125%
HK$116,220
baseline
▲ 0.50% · 4.625%
HK$123,292
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,440/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,664
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,927
−HK$3,311/mo
Today · 4.125%
HK$128,238
baseline
▲ 0.50% · 4.625%
HK$134,997
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,476/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,401 · Scale 2, in force from 26 Feb 2026)