LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,453
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,911/mo
Today · 4.125%
HK$64,244
baseline
▲ 0.50% · 4.625%
HK$68,153
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,488/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$1,829/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$74,623
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,543
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,800
−HK$2,292/mo
Today · 4.125%
HK$77,092
baseline
▲ 0.50% · 4.625%
HK$81,783
+HK$4,691/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,184/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,868
−HK$2,196/mo
Today · 4.125%
HK$85,064
baseline
▲ 0.50% · 4.625%
HK$89,547
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,128/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,634
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,266
−HK$2,675/mo
Today · 4.125%
HK$89,941
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,882/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,154
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,679
−HK$2,562/mo
Today · 4.125%
HK$99,241
baseline
▲ 0.50% · 4.625%
HK$104,472
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,482/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,815
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,199
−HK$3,439/mo
Today · 4.125%
HK$115,638
baseline
▲ 0.50% · 4.625%
HK$122,675
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,276/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,055
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,302
−HK$3,294/mo
Today · 4.125%
HK$127,596
baseline
▲ 0.50% · 4.625%
HK$134,321
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,192/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,732 · Scale 2, in force from 26 Feb 2026)