LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,477
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,911/mo
Today · 4.125%
HK$64,269
baseline
▲ 0.50% · 4.625%
HK$68,180
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,538/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,280
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,084
−HK$1,831/mo
Today · 4.125%
HK$70,915
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,830/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,572
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$2,293/mo
Today · 4.125%
HK$77,123
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,246/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,736
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,901
−HK$2,197/mo
Today · 4.125%
HK$85,098
baseline
▲ 0.50% · 4.625%
HK$89,583
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,196/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,668
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,301
−HK$2,676/mo
Today · 4.125%
HK$89,977
baseline
▲ 0.50% · 4.625%
HK$95,452
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,954/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,192
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,718
−HK$2,563/mo
Today · 4.125%
HK$99,281
baseline
▲ 0.50% · 4.625%
HK$104,514
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,562/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,858
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,244
−HK$3,441/mo
Today · 4.125%
HK$115,685
baseline
▲ 0.50% · 4.625%
HK$122,724
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,370/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,104
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,352
−HK$3,295/mo
Today · 4.125%
HK$127,647
baseline
▲ 0.50% · 4.625%
HK$134,375
+HK$6,728/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,294/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,183 · Scale 2, in force from 26 Feb 2026)