LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,225
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,098
−HK$1,904/mo
Today · 4.125%
HK$64,002
baseline
▲ 0.50% · 4.625%
HK$67,896
+HK$3,894/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,004/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,000
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,797
−HK$1,823/mo
Today · 4.125%
HK$70,620
baseline
▲ 0.50% · 4.625%
HK$74,342
+HK$3,722/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,240/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,270
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,518
−HK$2,284/mo
Today · 4.125%
HK$76,802
baseline
▲ 0.50% · 4.625%
HK$81,475
+HK$4,673/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,604/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,400
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,556
−HK$2,188/mo
Today · 4.125%
HK$84,744
baseline
▲ 0.50% · 4.625%
HK$89,211
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,488/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,315
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,938
−HK$2,664/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$95,055
+HK$5,453/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,800
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,315
−HK$2,553/mo
Today · 4.125%
HK$98,868
baseline
▲ 0.50% · 4.625%
HK$104,079
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,736/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,405
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,777
−HK$3,426/mo
Today · 4.125%
HK$115,203
baseline
▲ 0.50% · 4.625%
HK$122,213
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,406/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,600
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,834
−HK$3,281/mo
Today · 4.125%
HK$127,115
baseline
▲ 0.50% · 4.625%
HK$133,816
+HK$6,701/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,230/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,492 · Scale 2, in force from 26 Feb 2026)