LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,157
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,902/mo
Today · 4.125%
HK$63,930
baseline
▲ 0.50% · 4.625%
HK$67,820
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,860/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,924
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$1,821/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,189
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,434
−HK$2,282/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,309
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,185/mo
Today · 4.125%
HK$84,648
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,296/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,220
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,840
−HK$2,661/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,947
+HK$5,446/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,694
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,207
−HK$2,549/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$103,962
+HK$5,206/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,283
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,651
−HK$3,422/mo
Today · 4.125%
HK$115,073
baseline
▲ 0.50% · 4.625%
HK$122,075
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,146/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,464
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,695
−HK$3,277/mo
Today · 4.125%
HK$126,972
baseline
▲ 0.50% · 4.625%
HK$133,665
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,944/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,226 · Scale 2, in force from 26 Feb 2026)