LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,465
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,346
−HK$1,911/mo
Today · 4.125%
HK$64,257
baseline
▲ 0.50% · 4.625%
HK$68,167
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,514/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,267
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,071
−HK$1,830/mo
Today · 4.125%
HK$70,901
baseline
▲ 0.50% · 4.625%
HK$74,638
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,802/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,558
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,815
−HK$2,293/mo
Today · 4.125%
HK$77,108
baseline
▲ 0.50% · 4.625%
HK$81,800
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,216/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,720
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,885
−HK$2,196/mo
Today · 4.125%
HK$85,081
baseline
▲ 0.50% · 4.625%
HK$89,566
+HK$4,485/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$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,651
−HK$5,308/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$7.96M · loan HK$18.56M · min. income ≈ HK$179,918/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,173
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,699
−HK$2,562/mo
Today · 4.125%
HK$99,261
baseline
▲ 0.50% · 4.625%
HK$104,494
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,522/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,837
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,223
−HK$3,439/mo
Today · 4.125%
HK$115,662
baseline
▲ 0.50% · 4.625%
HK$122,700
+HK$7,038/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,324/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,080
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,328
−HK$3,294/mo
Today · 4.125%
HK$127,622
baseline
▲ 0.50% · 4.625%
HK$134,349
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,244/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,964 · Scale 2, in force from 26 Feb 2026)