LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,392
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,270
−HK$1,909/mo
Today · 4.125%
HK$64,179
baseline
▲ 0.50% · 4.625%
HK$68,084
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,358/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,185
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,987
−HK$1,828/mo
Today · 4.125%
HK$70,815
baseline
▲ 0.50% · 4.625%
HK$74,548
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,630/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,470
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,724
−HK$2,291/mo
Today · 4.125%
HK$77,015
baseline
▲ 0.50% · 4.625%
HK$81,701
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,030/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,622
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,784
−HK$2,194/mo
Today · 4.125%
HK$84,978
baseline
▲ 0.50% · 4.625%
HK$89,457
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,956/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,548
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,178
−HK$2,672/mo
Today · 4.125%
HK$89,850
baseline
▲ 0.50% · 4.625%
HK$95,317
+HK$5,467/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,700/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,059
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,582
−HK$2,559/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$104,367
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,705
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,086
−HK$3,436/mo
Today · 4.125%
HK$115,522
baseline
▲ 0.50% · 4.625%
HK$122,551
+HK$7,029/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,044/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,933
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,177
−HK$3,290/mo
Today · 4.125%
HK$127,467
baseline
▲ 0.50% · 4.625%
HK$134,186
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,934/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,596 · Scale 2, in force from 26 Feb 2026)