LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,463
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,343
−HK$1,911/mo
Today · 4.125%
HK$64,254
baseline
▲ 0.50% · 4.625%
HK$68,164
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,508/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,264
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,068
−HK$1,830/mo
Today · 4.125%
HK$70,898
baseline
▲ 0.50% · 4.625%
HK$74,635
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,796/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,555
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,812
−HK$2,293/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,797
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,717
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,882
−HK$2,196/mo
Today · 4.125%
HK$85,078
baseline
▲ 0.50% · 4.625%
HK$89,562
+HK$4,484/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,156/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,648
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,281
−HK$2,675/mo
Today · 4.125%
HK$89,956
baseline
▲ 0.50% · 4.625%
HK$95,429
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,912/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,170
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,695
−HK$2,562/mo
Today · 4.125%
HK$99,257
baseline
▲ 0.50% · 4.625%
HK$104,489
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,514/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,833
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,218
−HK$3,439/mo
Today · 4.125%
HK$115,657
baseline
▲ 0.50% · 4.625%
HK$122,695
+HK$7,038/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,314/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,075
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,322
−HK$3,294/mo
Today · 4.125%
HK$127,616
baseline
▲ 0.50% · 4.625%
HK$134,343
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,232/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,917 · Scale 2, in force from 26 Feb 2026)