LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,450
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,910/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$68,149
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$1,830/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$3,736/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,540
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,796
−HK$2,293/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,779
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,178/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,700
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,864
−HK$2,196/mo
Today · 4.125%
HK$85,060
baseline
▲ 0.50% · 4.625%
HK$89,543
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,120/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,630
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,262
−HK$2,675/mo
Today · 4.125%
HK$89,937
baseline
▲ 0.50% · 4.625%
HK$95,409
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,874/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,150
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,675
−HK$2,561/mo
Today · 4.125%
HK$99,236
baseline
▲ 0.50% · 4.625%
HK$104,467
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,472/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,810
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,194
−HK$3,439/mo
Today · 4.125%
HK$115,633
baseline
▲ 0.50% · 4.625%
HK$122,669
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,266/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,050
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,296
−HK$3,293/mo
Today · 4.125%
HK$127,589
baseline
▲ 0.50% · 4.625%
HK$134,315
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,178/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,679 · Scale 2, in force from 26 Feb 2026)