LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,464
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,345
−HK$1,911/mo
Today · 4.125%
HK$64,256
baseline
▲ 0.50% · 4.625%
HK$68,166
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,512/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,266
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,070
−HK$1,830/mo
Today · 4.125%
HK$70,900
baseline
▲ 0.50% · 4.625%
HK$74,637
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,800/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,557
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,814
−HK$2,293/mo
Today · 4.125%
HK$77,107
baseline
▲ 0.50% · 4.625%
HK$81,799
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,214/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,719
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,884
−HK$2,196/mo
Today · 4.125%
HK$85,080
baseline
▲ 0.50% · 4.625%
HK$89,565
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,160/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,650
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,283
−HK$2,676/mo
Today · 4.125%
HK$89,959
baseline
▲ 0.50% · 4.625%
HK$95,432
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,918/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,173
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,698
−HK$2,562/mo
Today · 4.125%
HK$99,260
baseline
▲ 0.50% · 4.625%
HK$104,492
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,520/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,836
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,221
−HK$3,440/mo
Today · 4.125%
HK$115,661
baseline
▲ 0.50% · 4.625%
HK$122,699
+HK$7,038/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,322/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,079
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,326
−HK$3,294/mo
Today · 4.125%
HK$127,620
baseline
▲ 0.50% · 4.625%
HK$134,347
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,240/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,952 · Scale 2, in force from 26 Feb 2026)