LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,450
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,331
−HK$1,910/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$1,830/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$3,736/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,540
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,797
−HK$2,292/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,780
+HK$4,691/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$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,701
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,865
−HK$2,196/mo
Today · 4.125%
HK$85,061
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,122/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,631
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,263
−HK$2,675/mo
Today · 4.125%
HK$89,938
baseline
▲ 0.50% · 4.625%
HK$95,410
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,876/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,151
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,676
−HK$2,561/mo
Today · 4.125%
HK$99,237
baseline
▲ 0.50% · 4.625%
HK$104,468
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,474/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,811
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,195
−HK$3,439/mo
Today · 4.125%
HK$115,634
baseline
▲ 0.50% · 4.625%
HK$122,670
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,268/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,051
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,297
−HK$3,294/mo
Today · 4.125%
HK$127,591
baseline
▲ 0.50% · 4.625%
HK$134,316
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,182/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,691 · Scale 2, in force from 26 Feb 2026)