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$68,175
+HK$3,911/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,275
−HK$3,634/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,567
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$2,293/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,810
+HK$4,693/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,730
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,895
−HK$2,196/mo
Today · 4.125%
HK$85,091
baseline
▲ 0.50% · 4.625%
HK$89,577
+HK$4,486/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,661
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,295
−HK$2,675/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$95,445
+HK$5,475/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,185
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,711
−HK$2,562/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$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,850
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,236
−HK$3,440/mo
Today · 4.125%
HK$115,676
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,352/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,095
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,342
−HK$3,295/mo
Today · 4.125%
HK$127,637
baseline
▲ 0.50% · 4.625%
HK$134,365
+HK$6,728/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,274/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,098 · Scale 2, in force from 26 Feb 2026)