LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,232
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,105
−HK$1,904/mo
Today · 4.125%
HK$64,009
baseline
▲ 0.50% · 4.625%
HK$67,904
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,018/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,007
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,804
−HK$1,823/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,350
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,278
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,526
−HK$2,285/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$81,484
+HK$4,673/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,409
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,188/mo
Today · 4.125%
HK$84,753
baseline
▲ 0.50% · 4.625%
HK$89,220
+HK$4,467/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,506/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,324
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,947
−HK$2,665/mo
Today · 4.125%
HK$89,612
baseline
▲ 0.50% · 4.625%
HK$95,065
+HK$5,453/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,224/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,810
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,326
−HK$2,552/mo
Today · 4.125%
HK$98,878
baseline
▲ 0.50% · 4.625%
HK$104,090
+HK$5,212/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,756/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,417
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,790
−HK$3,426/mo
Today · 4.125%
HK$115,216
baseline
▲ 0.50% · 4.625%
HK$122,227
+HK$7,011/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,432/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,613
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,848
−HK$3,281/mo
Today · 4.125%
HK$127,129
baseline
▲ 0.50% · 4.625%
HK$133,831
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,258/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,616 · Scale 2, in force from 26 Feb 2026)