LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,470
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,351
−HK$1,911/mo
Today · 4.125%
HK$64,262
baseline
▲ 0.50% · 4.625%
HK$68,172
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,524/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,272
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,076
−HK$1,831/mo
Today · 4.125%
HK$70,907
baseline
▲ 0.50% · 4.625%
HK$74,644
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,814/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,821
−HK$2,293/mo
Today · 4.125%
HK$77,114
baseline
▲ 0.50% · 4.625%
HK$81,806
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,228/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,726
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,892
−HK$2,196/mo
Today · 4.125%
HK$85,088
baseline
▲ 0.50% · 4.625%
HK$89,573
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,176/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,658
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,291
−HK$2,676/mo
Today · 4.125%
HK$89,967
baseline
▲ 0.50% · 4.625%
HK$95,441
+HK$5,474/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$179,934/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,181
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,707
−HK$2,562/mo
Today · 4.125%
HK$99,269
baseline
▲ 0.50% · 4.625%
HK$104,502
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,538/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,846
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,231
−HK$3,440/mo
Today · 4.125%
HK$115,671
baseline
▲ 0.50% · 4.625%
HK$122,710
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,342/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,090
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,337
−HK$3,295/mo
Today · 4.125%
HK$127,632
baseline
▲ 0.50% · 4.625%
HK$134,359
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,264/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,052 · Scale 2, in force from 26 Feb 2026)