LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,476
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,911/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$1,831/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,571
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$2,294/mo
Today · 4.125%
HK$77,122
baseline
▲ 0.50% · 4.625%
HK$81,814
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,244/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,734
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,900
−HK$2,196/mo
Today · 4.125%
HK$85,096
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,192/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,666
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,675/mo
Today · 4.125%
HK$89,975
baseline
▲ 0.50% · 4.625%
HK$95,450
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,950/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,190
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,716
−HK$2,563/mo
Today · 4.125%
HK$99,279
baseline
▲ 0.50% · 4.625%
HK$104,512
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,558/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,856
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,242
−HK$3,441/mo
Today · 4.125%
HK$115,683
baseline
▲ 0.50% · 4.625%
HK$122,722
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,366/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,102
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,350
−HK$3,294/mo
Today · 4.125%
HK$127,644
baseline
▲ 0.50% · 4.625%
HK$134,373
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,288/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,163 · Scale 2, in force from 26 Feb 2026)