LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,271
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,905/mo
Today · 4.125%
HK$64,050
baseline
▲ 0.50% · 4.625%
HK$67,947
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,100/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,849
−HK$1,824/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,398
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,325
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,575
−HK$2,285/mo
Today · 4.125%
HK$76,860
baseline
▲ 0.50% · 4.625%
HK$81,537
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,720/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,461
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,619
−HK$2,189/mo
Today · 4.125%
HK$84,808
baseline
▲ 0.50% · 4.625%
HK$89,278
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,616/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,379
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,004
−HK$2,666/mo
Today · 4.125%
HK$89,670
baseline
▲ 0.50% · 4.625%
HK$95,126
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,340/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,871
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,388
−HK$2,554/mo
Today · 4.125%
HK$98,942
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,884/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,487
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,862
−HK$3,428/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$122,305
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,691
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,928
−HK$3,284/mo
Today · 4.125%
HK$127,212
baseline
▲ 0.50% · 4.625%
HK$133,917
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,424/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,341 · Scale 2, in force from 26 Feb 2026)