LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,457
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,337
−HK$1,911/mo
Today · 4.125%
HK$64,248
baseline
▲ 0.50% · 4.625%
HK$68,157
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,496/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,258
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,061
−HK$1,830/mo
Today · 4.125%
HK$70,891
baseline
▲ 0.50% · 4.625%
HK$74,628
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,782/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,548
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,805
−HK$2,293/mo
Today · 4.125%
HK$77,098
baseline
▲ 0.50% · 4.625%
HK$81,789
+HK$4,691/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,196/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,709
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,195/mo
Today · 4.125%
HK$85,069
baseline
▲ 0.50% · 4.625%
HK$89,554
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,138/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,639
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,272
−HK$2,675/mo
Today · 4.125%
HK$89,947
baseline
▲ 0.50% · 4.625%
HK$95,420
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,894/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,161
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,562/mo
Today · 4.125%
HK$99,248
baseline
▲ 0.50% · 4.625%
HK$104,479
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,496/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,822
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,207
−HK$3,439/mo
Today · 4.125%
HK$115,646
baseline
▲ 0.50% · 4.625%
HK$122,683
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,292/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,064
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,310
−HK$3,294/mo
Today · 4.125%
HK$127,604
baseline
▲ 0.50% · 4.625%
HK$134,330
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,208/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,809 · Scale 2, in force from 26 Feb 2026)