LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,479
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,912/mo
Today · 4.125%
HK$64,272
baseline
▲ 0.50% · 4.625%
HK$68,182
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,544/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,087
−HK$1,830/mo
Today · 4.125%
HK$70,917
baseline
▲ 0.50% · 4.625%
HK$74,656
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,834/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,575
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$2,294/mo
Today · 4.125%
HK$77,126
baseline
▲ 0.50% · 4.625%
HK$81,819
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,252/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,739
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,904
−HK$2,197/mo
Today · 4.125%
HK$85,101
baseline
▲ 0.50% · 4.625%
HK$89,587
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,202/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,671
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,304
−HK$2,676/mo
Today · 4.125%
HK$89,980
baseline
▲ 0.50% · 4.625%
HK$95,455
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,960/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,195
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,722
−HK$2,562/mo
Today · 4.125%
HK$99,284
baseline
▲ 0.50% · 4.625%
HK$104,518
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,568/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,862
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,249
−HK$3,440/mo
Today · 4.125%
HK$115,689
baseline
▲ 0.50% · 4.625%
HK$122,728
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,378/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,108
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,356
−HK$3,295/mo
Today · 4.125%
HK$127,651
baseline
▲ 0.50% · 4.625%
HK$134,380
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,302/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,224 · Scale 2, in force from 26 Feb 2026)