LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,481
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,912/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$68,185
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,285
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,089
−HK$1,831/mo
Today · 4.125%
HK$70,920
baseline
▲ 0.50% · 4.625%
HK$74,658
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,840/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,577
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,835
−HK$2,293/mo
Today · 4.125%
HK$77,128
baseline
▲ 0.50% · 4.625%
HK$81,822
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,256/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,741
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,907
−HK$2,197/mo
Today · 4.125%
HK$85,104
baseline
▲ 0.50% · 4.625%
HK$89,590
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,208/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,673
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,307
−HK$2,676/mo
Today · 4.125%
HK$89,983
baseline
▲ 0.50% · 4.625%
HK$95,458
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,966/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,198
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,725
−HK$2,563/mo
Today · 4.125%
HK$99,288
baseline
▲ 0.50% · 4.625%
HK$104,521
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,576/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,866
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,252
−HK$3,441/mo
Today · 4.125%
HK$115,693
baseline
▲ 0.50% · 4.625%
HK$122,732
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,386/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,112
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,360
−HK$3,295/mo
Today · 4.125%
HK$127,655
baseline
▲ 0.50% · 4.625%
HK$134,384
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,310/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,261 · Scale 2, in force from 26 Feb 2026)