LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,230
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,103
−HK$1,904/mo
Today · 4.125%
HK$64,007
baseline
▲ 0.50% · 4.625%
HK$67,901
+HK$3,894/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,014/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,005
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,802
−HK$1,823/mo
Today · 4.125%
HK$70,625
baseline
▲ 0.50% · 4.625%
HK$74,348
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,250/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,276
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,524
−HK$2,284/mo
Today · 4.125%
HK$76,808
baseline
▲ 0.50% · 4.625%
HK$81,481
+HK$4,673/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,616/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,406
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,562
−HK$2,188/mo
Today · 4.125%
HK$84,750
baseline
▲ 0.50% · 4.625%
HK$89,217
+HK$4,467/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,500/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,322
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,944
−HK$2,665/mo
Today · 4.125%
HK$89,609
baseline
▲ 0.50% · 4.625%
HK$95,062
+HK$5,453/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,218/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,807
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,323
−HK$2,552/mo
Today · 4.125%
HK$98,875
baseline
▲ 0.50% · 4.625%
HK$104,087
+HK$5,212/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,750/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,413
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,786
−HK$3,426/mo
Today · 4.125%
HK$115,212
baseline
▲ 0.50% · 4.625%
HK$122,222
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,424/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,609
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,843
−HK$3,282/mo
Today · 4.125%
HK$127,125
baseline
▲ 0.50% · 4.625%
HK$133,826
+HK$6,701/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,250/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,576 · Scale 2, in force from 26 Feb 2026)