LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,472
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,353
−HK$1,911/mo
Today · 4.125%
HK$64,264
baseline
▲ 0.50% · 4.625%
HK$68,174
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,528/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,274
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,079
−HK$1,830/mo
Today · 4.125%
HK$70,909
baseline
▲ 0.50% · 4.625%
HK$74,647
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,818/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,566
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$2,293/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,729
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,895
−HK$2,196/mo
Today · 4.125%
HK$85,091
baseline
▲ 0.50% · 4.625%
HK$89,576
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,182/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,661
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,294
−HK$2,676/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$5,474/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,184
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,710
−HK$2,563/mo
Today · 4.125%
HK$99,273
baseline
▲ 0.50% · 4.625%
HK$104,506
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,546/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,850
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,235
−HK$3,440/mo
Today · 4.125%
HK$115,675
baseline
▲ 0.50% · 4.625%
HK$122,714
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,350/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,094
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,342
−HK$3,294/mo
Today · 4.125%
HK$127,636
baseline
▲ 0.50% · 4.625%
HK$134,364
+HK$6,728/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,272/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,093 · Scale 2, in force from 26 Feb 2026)