LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,243
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,117
−HK$1,904/mo
Today · 4.125%
HK$64,021
baseline
▲ 0.50% · 4.625%
HK$67,917
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,042/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,020
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,818
−HK$1,823/mo
Today · 4.125%
HK$70,641
baseline
▲ 0.50% · 4.625%
HK$74,365
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,282/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,292
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$2,284/mo
Today · 4.125%
HK$76,825
baseline
▲ 0.50% · 4.625%
HK$81,500
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,650/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,424
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,581
−HK$2,188/mo
Today · 4.125%
HK$84,769
baseline
▲ 0.50% · 4.625%
HK$89,237
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,538/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,341
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,964
−HK$2,666/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$95,083
+HK$5,453/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,828
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,345
−HK$2,552/mo
Today · 4.125%
HK$98,897
baseline
▲ 0.50% · 4.625%
HK$104,110
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,794/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,438
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,811
−HK$3,427/mo
Today · 4.125%
HK$115,238
baseline
▲ 0.50% · 4.625%
HK$122,250
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,476/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,636
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,872
−HK$3,282/mo
Today · 4.125%
HK$127,154
baseline
▲ 0.50% · 4.625%
HK$133,856
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,308/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,830 · Scale 2, in force from 26 Feb 2026)