LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,769
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,920/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,930/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,604
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,418
−HK$1,839/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,013
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,922
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$2,304/mo
Today · 4.125%
HK$77,495
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,716/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,990/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,125
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,301
−HK$2,207/mo
Today · 4.125%
HK$85,508
baseline
▲ 0.50% · 4.625%
HK$90,016
+HK$4,508/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,016/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,076
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,722
−HK$2,689/mo
Today · 4.125%
HK$90,411
baseline
▲ 0.50% · 4.625%
HK$95,912
+HK$5,501/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,822/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,646
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,185
−HK$2,575/mo
Today · 4.125%
HK$99,760
baseline
▲ 0.50% · 4.625%
HK$105,018
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,520/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,384
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,786
−HK$3,457/mo
Today · 4.125%
HK$116,243
baseline
▲ 0.50% · 4.625%
HK$123,316
+HK$7,073/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,486/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,688
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,952
−HK$3,310/mo
Today · 4.125%
HK$128,262
baseline
▲ 0.50% · 4.625%
HK$135,023
+HK$6,761/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,524/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,621 · Scale 2, in force from 26 Feb 2026)