LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,486
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,368
−HK$1,911/mo
Today · 4.125%
HK$64,279
baseline
▲ 0.50% · 4.625%
HK$68,191
+HK$3,912/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,558/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,095
−HK$1,831/mo
Today · 4.125%
HK$70,926
baseline
▲ 0.50% · 4.625%
HK$74,664
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,852/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,841
−HK$2,294/mo
Today · 4.125%
HK$77,135
baseline
▲ 0.50% · 4.625%
HK$81,829
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,270/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,748
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,914
−HK$2,197/mo
Today · 4.125%
HK$85,111
baseline
▲ 0.50% · 4.625%
HK$89,597
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,222/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,681
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,315
−HK$2,676/mo
Today · 4.125%
HK$89,991
baseline
▲ 0.50% · 4.625%
HK$95,467
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,982/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,207
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,733
−HK$2,563/mo
Today · 4.125%
HK$99,296
baseline
▲ 0.50% · 4.625%
HK$104,530
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,592/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,875
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,262
−HK$3,441/mo
Today · 4.125%
HK$115,703
baseline
▲ 0.50% · 4.625%
HK$122,743
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,406/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,123
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,371
−HK$3,296/mo
Today · 4.125%
HK$127,667
baseline
▲ 0.50% · 4.625%
HK$134,396
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,334/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,359 · Scale 2, in force from 26 Feb 2026)