LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,776
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,667
−HK$1,921/mo
Today · 4.125%
HK$64,588
baseline
▲ 0.50% · 4.625%
HK$68,518
+HK$3,930/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,176/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,613
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,426
−HK$1,840/mo
Today · 4.125%
HK$71,266
baseline
▲ 0.50% · 4.625%
HK$75,023
+HK$3,757/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,532/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,932
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,200
−HK$2,305/mo
Today · 4.125%
HK$77,505
baseline
▲ 0.50% · 4.625%
HK$82,221
+HK$4,716/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$155,010/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,136
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,312
−HK$2,207/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,027
+HK$4,508/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,087
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,734
−HK$2,689/mo
Today · 4.125%
HK$90,423
baseline
▲ 0.50% · 4.625%
HK$95,925
+HK$5,502/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,846/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,658
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,197
−HK$2,575/mo
Today · 4.125%
HK$99,772
baseline
▲ 0.50% · 4.625%
HK$105,032
+HK$5,260/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,544/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,397
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,800
−HK$3,458/mo
Today · 4.125%
HK$116,258
baseline
▲ 0.50% · 4.625%
HK$123,332
+HK$7,074/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,516/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,704
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,968
−HK$3,311/mo
Today · 4.125%
HK$128,279
baseline
▲ 0.50% · 4.625%
HK$135,041
+HK$6,762/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,558/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,766 · Scale 2, in force from 26 Feb 2026)