LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,315
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,191
−HK$1,907/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,998
+HK$3,900/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,100
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,900
−HK$1,825/mo
Today · 4.125%
HK$70,725
baseline
▲ 0.50% · 4.625%
HK$74,453
+HK$3,728/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,450/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,378
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,630
−HK$2,287/mo
Today · 4.125%
HK$76,917
baseline
▲ 0.50% · 4.625%
HK$81,597
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,834/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,520
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,680
−HK$2,190/mo
Today · 4.125%
HK$84,870
baseline
▲ 0.50% · 4.625%
HK$89,344
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,740/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,441
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,068
−HK$2,669/mo
Today · 4.125%
HK$89,737
baseline
▲ 0.50% · 4.625%
HK$95,197
+HK$5,460/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,474/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,940
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,460
−HK$2,555/mo
Today · 4.125%
HK$99,015
baseline
▲ 0.50% · 4.625%
HK$104,235
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,030/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,945
−HK$3,431/mo
Today · 4.125%
HK$115,376
baseline
▲ 0.50% · 4.625%
HK$122,396
+HK$7,020/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,752/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,780
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,020
−HK$3,286/mo
Today · 4.125%
HK$127,306
baseline
▲ 0.50% · 4.625%
HK$134,016
+HK$6,710/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,612/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,172 · Scale 2, in force from 26 Feb 2026)