LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,487
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,369
−HK$1,911/mo
Today · 4.125%
HK$64,280
baseline
▲ 0.50% · 4.625%
HK$68,191
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,560/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,291
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,096
−HK$1,831/mo
Today · 4.125%
HK$70,927
baseline
▲ 0.50% · 4.625%
HK$74,665
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,854/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,842
−HK$2,294/mo
Today · 4.125%
HK$77,136
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,272/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,749
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,915
−HK$2,197/mo
Today · 4.125%
HK$85,112
baseline
▲ 0.50% · 4.625%
HK$89,598
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,224/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,682
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,316
−HK$2,676/mo
Today · 4.125%
HK$89,992
baseline
▲ 0.50% · 4.625%
HK$95,468
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,984/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,208
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,734
−HK$2,563/mo
Today · 4.125%
HK$99,297
baseline
▲ 0.50% · 4.625%
HK$104,532
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,594/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,877
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,263
−HK$3,441/mo
Today · 4.125%
HK$115,704
baseline
▲ 0.50% · 4.625%
HK$122,745
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,408/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,124
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,373
−HK$3,295/mo
Today · 4.125%
HK$127,668
baseline
▲ 0.50% · 4.625%
HK$134,398
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,336/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,373 · Scale 2, in force from 26 Feb 2026)