LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,477
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,912/mo
Today · 4.125%
HK$64,270
baseline
▲ 0.50% · 4.625%
HK$68,180
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,540/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,280
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,085
−HK$1,830/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$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$2,294/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,736
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,902
−HK$2,196/mo
Today · 4.125%
HK$85,098
baseline
▲ 0.50% · 4.625%
HK$89,584
+HK$4,486/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$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,668
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,302
−HK$2,676/mo
Today · 4.125%
HK$89,978
baseline
▲ 0.50% · 4.625%
HK$95,452
+HK$5,474/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,956/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,192
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,719
−HK$2,562/mo
Today · 4.125%
HK$99,281
baseline
▲ 0.50% · 4.625%
HK$104,515
+HK$5,234/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$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,859
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,245
−HK$3,440/mo
Today · 4.125%
HK$115,685
baseline
▲ 0.50% · 4.625%
HK$122,725
+HK$7,040/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$1,127,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,105
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,352
−HK$3,295/mo
Today · 4.125%
HK$127,647
baseline
▲ 0.50% · 4.625%
HK$134,376
+HK$6,729/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$1,127,190 · Scale 2, in force from 26 Feb 2026)