LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,767
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,657
−HK$1,920/mo
Today · 4.125%
HK$64,577
baseline
▲ 0.50% · 4.625%
HK$68,507
+HK$3,930/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,154/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,602
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,415
−HK$1,840/mo
Today · 4.125%
HK$71,255
baseline
▲ 0.50% · 4.625%
HK$75,011
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,510/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,920
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,188
−HK$2,305/mo
Today · 4.125%
HK$77,493
baseline
▲ 0.50% · 4.625%
HK$82,208
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,986/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,123
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,298
−HK$2,208/mo
Today · 4.125%
HK$85,506
baseline
▲ 0.50% · 4.625%
HK$90,013
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,012/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,073
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,720
−HK$2,688/mo
Today · 4.125%
HK$90,408
baseline
▲ 0.50% · 4.625%
HK$95,909
+HK$5,501/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,816/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,643
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,182
−HK$2,575/mo
Today · 4.125%
HK$99,757
baseline
▲ 0.50% · 4.625%
HK$105,015
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,514/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,380
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,782
−HK$3,457/mo
Today · 4.125%
HK$116,239
baseline
▲ 0.50% · 4.625%
HK$123,312
+HK$7,073/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,478/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,684
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,948
−HK$3,310/mo
Today · 4.125%
HK$128,258
baseline
▲ 0.50% · 4.625%
HK$135,019
+HK$6,761/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,516/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,585 · Scale 2, in force from 26 Feb 2026)