LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,768
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,658
−HK$1,920/mo
Today · 4.125%
HK$64,578
baseline
▲ 0.50% · 4.625%
HK$68,508
+HK$3,930/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,156/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,604
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,417
−HK$1,839/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,012
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,921
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,190
−HK$2,304/mo
Today · 4.125%
HK$77,494
baseline
▲ 0.50% · 4.625%
HK$82,209
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,988/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,124
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,300
−HK$2,207/mo
Today · 4.125%
HK$85,507
baseline
▲ 0.50% · 4.625%
HK$90,014
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,014/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,075
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,721
−HK$2,689/mo
Today · 4.125%
HK$90,410
baseline
▲ 0.50% · 4.625%
HK$95,911
+HK$5,501/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,820/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,645
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,183
−HK$2,575/mo
Today · 4.125%
HK$99,758
baseline
▲ 0.50% · 4.625%
HK$105,017
+HK$5,259/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,516/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,382
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,784
−HK$3,457/mo
Today · 4.125%
HK$116,241
baseline
▲ 0.50% · 4.625%
HK$123,314
+HK$7,073/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,482/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,686
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,950
−HK$3,311/mo
Today · 4.125%
HK$128,261
baseline
▲ 0.50% · 4.625%
HK$135,021
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,522/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,605 · Scale 2, in force from 26 Feb 2026)