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$68,192
+HK$3,912/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$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,292
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,096
−HK$1,831/mo
Today · 4.125%
HK$70,927
baseline
▲ 0.50% · 4.625%
HK$74,666
+HK$3,739/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$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,585
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,843
−HK$2,294/mo
Today · 4.125%
HK$77,137
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,274/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,750
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,916
−HK$2,197/mo
Today · 4.125%
HK$85,113
baseline
▲ 0.50% · 4.625%
HK$89,599
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,226/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,682
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,316
−HK$2,677/mo
Today · 4.125%
HK$89,993
baseline
▲ 0.50% · 4.625%
HK$95,468
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,986/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,208
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,735
−HK$2,563/mo
Today · 4.125%
HK$99,298
baseline
▲ 0.50% · 4.625%
HK$104,532
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,596/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,877
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,264
−HK$3,441/mo
Today · 4.125%
HK$115,705
baseline
▲ 0.50% · 4.625%
HK$122,745
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,410/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,125
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,373
−HK$3,296/mo
Today · 4.125%
HK$127,669
baseline
▲ 0.50% · 4.625%
HK$134,398
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,338/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,379 · Scale 2, in force from 26 Feb 2026)