LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,265
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,140
−HK$1,904/mo
Today · 4.125%
HK$64,044
baseline
▲ 0.50% · 4.625%
HK$67,941
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,088/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,842
−HK$1,825/mo
Today · 4.125%
HK$70,667
baseline
▲ 0.50% · 4.625%
HK$74,392
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,334/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,318
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,568
−HK$2,285/mo
Today · 4.125%
HK$76,853
baseline
▲ 0.50% · 4.625%
HK$81,530
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,706/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,453
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,611
−HK$2,189/mo
Today · 4.125%
HK$84,800
baseline
▲ 0.50% · 4.625%
HK$89,270
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,600/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,371
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,996
−HK$2,666/mo
Today · 4.125%
HK$89,662
baseline
▲ 0.50% · 4.625%
HK$95,118
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,324/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,862
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,379
−HK$2,554/mo
Today · 4.125%
HK$98,933
baseline
▲ 0.50% · 4.625%
HK$104,148
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,866/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,477
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,852
−HK$3,428/mo
Today · 4.125%
HK$115,280
baseline
▲ 0.50% · 4.625%
HK$122,294
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,560/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,680
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,916
−HK$3,284/mo
Today · 4.125%
HK$127,200
baseline
▲ 0.50% · 4.625%
HK$133,905
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,400/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,238 · Scale 2, in force from 26 Feb 2026)