LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,389
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,908/mo
Today · 4.125%
HK$64,176
baseline
▲ 0.50% · 4.625%
HK$68,081
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,352/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,182
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,984
−HK$1,828/mo
Today · 4.125%
HK$70,812
baseline
▲ 0.50% · 4.625%
HK$74,544
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,624/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,467
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,721
−HK$2,290/mo
Today · 4.125%
HK$77,011
baseline
▲ 0.50% · 4.625%
HK$81,697
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,022/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,619
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,781
−HK$2,193/mo
Today · 4.125%
HK$84,974
baseline
▲ 0.50% · 4.625%
HK$89,453
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,948/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,545
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,175
−HK$2,671/mo
Today · 4.125%
HK$89,846
baseline
▲ 0.50% · 4.625%
HK$95,313
+HK$5,467/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,692/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,055
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,578
−HK$2,559/mo
Today · 4.125%
HK$99,137
baseline
▲ 0.50% · 4.625%
HK$104,362
+HK$5,225/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,274/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,700
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,082
−HK$3,435/mo
Today · 4.125%
HK$115,517
baseline
▲ 0.50% · 4.625%
HK$122,546
+HK$7,029/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,034/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,928
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,171
−HK$3,290/mo
Today · 4.125%
HK$127,461
baseline
▲ 0.50% · 4.625%
HK$134,180
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,922/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,547 · Scale 2, in force from 26 Feb 2026)