LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,778
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,920/mo
Today · 4.125%
HK$64,589
baseline
▲ 0.50% · 4.625%
HK$68,519
+HK$3,930/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,178/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$1,840/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$3,757/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,934
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,202
−HK$2,305/mo
Today · 4.125%
HK$77,507
baseline
▲ 0.50% · 4.625%
HK$82,223
+HK$4,716/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$155,014/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,138
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,314
−HK$2,207/mo
Today · 4.125%
HK$85,521
baseline
▲ 0.50% · 4.625%
HK$90,029
+HK$4,508/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,042/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,089
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,736
−HK$2,689/mo
Today · 4.125%
HK$90,425
baseline
▲ 0.50% · 4.625%
HK$95,927
+HK$5,502/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,850/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,661
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,200
−HK$2,575/mo
Today · 4.125%
HK$99,775
baseline
▲ 0.50% · 4.625%
HK$105,034
+HK$5,259/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,550/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,400
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,803
−HK$3,458/mo
Today · 4.125%
HK$116,261
baseline
▲ 0.50% · 4.625%
HK$123,335
+HK$7,074/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,522/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,707
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,971
−HK$3,311/mo
Today · 4.125%
HK$128,282
baseline
▲ 0.50% · 4.625%
HK$135,044
+HK$6,762/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,564/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,796 · Scale 2, in force from 26 Feb 2026)