LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,264
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,138
−HK$1,905/mo
Today · 4.125%
HK$64,043
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,086/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,043
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,841
−HK$1,824/mo
Today · 4.125%
HK$70,665
baseline
▲ 0.50% · 4.625%
HK$74,390
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,330/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,317
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,566
−HK$2,286/mo
Today · 4.125%
HK$76,852
baseline
▲ 0.50% · 4.625%
HK$81,528
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,704/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,452
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,609
−HK$2,189/mo
Today · 4.125%
HK$84,798
baseline
▲ 0.50% · 4.625%
HK$89,268
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,596/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,369
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,994
−HK$2,666/mo
Today · 4.125%
HK$89,660
baseline
▲ 0.50% · 4.625%
HK$95,116
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,320/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,860
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,377
−HK$2,554/mo
Today · 4.125%
HK$98,931
baseline
▲ 0.50% · 4.625%
HK$104,146
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,862/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,475
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,849
−HK$3,428/mo
Today · 4.125%
HK$115,277
baseline
▲ 0.50% · 4.625%
HK$122,292
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,554/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,677
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,914
−HK$3,283/mo
Today · 4.125%
HK$127,197
baseline
▲ 0.50% · 4.625%
HK$133,902
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,394/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,213 · Scale 2, in force from 26 Feb 2026)