LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,465
−HK$3,791/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$1,126,955 · 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$74,638
+HK$3,738/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$1,126,955 · 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$1,126,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,719
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,884
−HK$2,197/mo
Today · 4.125%
HK$85,081
baseline
▲ 0.50% · 4.625%
HK$89,565
+HK$4,484/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,162/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,650
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,284
−HK$2,675/mo
Today · 4.125%
HK$89,959
baseline
▲ 0.50% · 4.625%
HK$95,433
+HK$5,474/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$1,126,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,173
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,698
−HK$2,563/mo
Today · 4.125%
HK$99,261
baseline
▲ 0.50% · 4.625%
HK$104,493
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,522/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,836
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,222
−HK$3,439/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$1,126,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,079
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,326
−HK$3,295/mo
Today · 4.125%
HK$127,621
baseline
▲ 0.50% · 4.625%
HK$134,348
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,242/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,955 · Scale 2, in force from 26 Feb 2026)