LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,454
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,335
−HK$1,910/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$68,155
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,255
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,059
−HK$1,830/mo
Today · 4.125%
HK$70,889
baseline
▲ 0.50% · 4.625%
HK$74,625
+HK$3,736/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,778/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,545
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,802
−HK$2,293/mo
Today · 4.125%
HK$77,095
baseline
▲ 0.50% · 4.625%
HK$81,786
+HK$4,691/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,190/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,706
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,870
−HK$2,196/mo
Today · 4.125%
HK$85,066
baseline
▲ 0.50% · 4.625%
HK$89,550
+HK$4,484/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,132/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,636
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,269
−HK$2,675/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$95,416
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,157
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,682
−HK$2,562/mo
Today · 4.125%
HK$99,244
baseline
▲ 0.50% · 4.625%
HK$104,475
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,488/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,818
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,203
−HK$3,439/mo
Today · 4.125%
HK$115,642
baseline
▲ 0.50% · 4.625%
HK$122,678
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,284/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,059
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,306
−HK$3,293/mo
Today · 4.125%
HK$127,599
baseline
▲ 0.50% · 4.625%
HK$134,325
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,198/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,765 · Scale 2, in force from 26 Feb 2026)