LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,270
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,904/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,947
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,050
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,848
−HK$1,824/mo
Today · 4.125%
HK$70,672
baseline
▲ 0.50% · 4.625%
HK$74,397
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,344/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,324
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,574
−HK$2,285/mo
Today · 4.125%
HK$76,859
baseline
▲ 0.50% · 4.625%
HK$81,536
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,718/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,460
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,618
−HK$2,189/mo
Today · 4.125%
HK$84,807
baseline
▲ 0.50% · 4.625%
HK$89,277
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,614/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,378
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,003
−HK$2,666/mo
Today · 4.125%
HK$89,669
baseline
▲ 0.50% · 4.625%
HK$95,125
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,338/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,870
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,387
−HK$2,554/mo
Today · 4.125%
HK$98,941
baseline
▲ 0.50% · 4.625%
HK$104,156
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,882/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,486
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,860
−HK$3,429/mo
Today · 4.125%
HK$115,289
baseline
▲ 0.50% · 4.625%
HK$122,304
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,578/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,689
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,926
−HK$3,284/mo
Today · 4.125%
HK$127,210
baseline
▲ 0.50% · 4.625%
HK$133,915
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,420/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,327 · Scale 2, in force from 26 Feb 2026)