LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,388
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,267
−HK$1,908/mo
Today · 4.125%
HK$64,175
baseline
▲ 0.50% · 4.625%
HK$68,080
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,350/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,182
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,983
−HK$1,828/mo
Today · 4.125%
HK$70,811
baseline
▲ 0.50% · 4.625%
HK$74,544
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,622/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,466
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$2,290/mo
Today · 4.125%
HK$77,010
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,020/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,618
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,780
−HK$2,193/mo
Today · 4.125%
HK$84,973
baseline
▲ 0.50% · 4.625%
HK$89,452
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,946/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,544
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,174
−HK$2,671/mo
Today · 4.125%
HK$89,845
baseline
▲ 0.50% · 4.625%
HK$95,312
+HK$5,467/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$179,690/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,054
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,577
−HK$2,559/mo
Today · 4.125%
HK$99,136
baseline
▲ 0.50% · 4.625%
HK$104,361
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$198,272/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,699
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,080
−HK$3,436/mo
Today · 4.125%
HK$115,516
baseline
▲ 0.50% · 4.625%
HK$122,544
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$231,032/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,927
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,170
−HK$3,290/mo
Today · 4.125%
HK$127,460
baseline
▲ 0.50% · 4.625%
HK$134,179
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,920/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,536 · Scale 2, in force from 26 Feb 2026)