LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,241
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,115
−HK$1,904/mo
Today · 4.125%
HK$64,019
baseline
▲ 0.50% · 4.625%
HK$67,914
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,038/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,815
−HK$1,823/mo
Today · 4.125%
HK$70,638
baseline
▲ 0.50% · 4.625%
HK$74,362
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,276/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,289
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$2,284/mo
Today · 4.125%
HK$76,822
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,644/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,421
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,188/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,234
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,337
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,961
−HK$2,665/mo
Today · 4.125%
HK$89,626
baseline
▲ 0.50% · 4.625%
HK$95,080
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,252/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,824
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,341
−HK$2,553/mo
Today · 4.125%
HK$98,894
baseline
▲ 0.50% · 4.625%
HK$104,106
+HK$5,212/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,788/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,434
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,807
−HK$3,426/mo
Today · 4.125%
HK$115,233
baseline
▲ 0.50% · 4.625%
HK$122,245
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,466/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,631
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,867
−HK$3,282/mo
Today · 4.125%
HK$127,149
baseline
▲ 0.50% · 4.625%
HK$133,851
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,298/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,787 · Scale 2, in force from 26 Feb 2026)