LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,488
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,370
−HK$1,911/mo
Today · 4.125%
HK$64,281
baseline
▲ 0.50% · 4.625%
HK$68,193
+HK$3,912/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,562/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,292
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,097
−HK$1,831/mo
Today · 4.125%
HK$70,928
baseline
▲ 0.50% · 4.625%
HK$74,667
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,856/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,586
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,844
−HK$2,294/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,831
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,751
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,917
−HK$2,197/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$89,600
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,683
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,317
−HK$2,677/mo
Today · 4.125%
HK$89,994
baseline
▲ 0.50% · 4.625%
HK$95,470
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,988/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,209
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,736
−HK$2,563/mo
Today · 4.125%
HK$99,299
baseline
▲ 0.50% · 4.625%
HK$104,533
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,598/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,879
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,265
−HK$3,441/mo
Today · 4.125%
HK$115,706
baseline
▲ 0.50% · 4.625%
HK$122,747
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,412/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,126
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,375
−HK$3,295/mo
Today · 4.125%
HK$127,670
baseline
▲ 0.50% · 4.625%
HK$134,400
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,340/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,393 · Scale 2, in force from 26 Feb 2026)