LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,480
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,361
−HK$1,912/mo
Today · 4.125%
HK$64,273
baseline
▲ 0.50% · 4.625%
HK$68,183
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,546/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,283
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,088
−HK$1,830/mo
Today · 4.125%
HK$70,918
baseline
▲ 0.50% · 4.625%
HK$74,657
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,836/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,576
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,833
−HK$2,294/mo
Today · 4.125%
HK$77,127
baseline
▲ 0.50% · 4.625%
HK$81,820
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,254/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,740
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,905
−HK$2,197/mo
Today · 4.125%
HK$85,102
baseline
▲ 0.50% · 4.625%
HK$89,588
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,204/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,672
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,306
−HK$2,676/mo
Today · 4.125%
HK$89,982
baseline
▲ 0.50% · 4.625%
HK$95,457
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,964/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,197
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,723
−HK$2,563/mo
Today · 4.125%
HK$99,286
baseline
▲ 0.50% · 4.625%
HK$104,519
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,572/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,864
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,250
−HK$3,441/mo
Today · 4.125%
HK$115,691
baseline
▲ 0.50% · 4.625%
HK$122,730
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,382/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,110
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,358
−HK$3,295/mo
Today · 4.125%
HK$127,653
baseline
▲ 0.50% · 4.625%
HK$134,382
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,306/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,241 · Scale 2, in force from 26 Feb 2026)