LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,494
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,376
−HK$1,911/mo
Today · 4.125%
HK$64,287
baseline
▲ 0.50% · 4.625%
HK$68,199
+HK$3,912/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,574/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,299
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,104
−HK$1,831/mo
Today · 4.125%
HK$70,935
baseline
▲ 0.50% · 4.625%
HK$74,674
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,870/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,593
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,851
−HK$2,294/mo
Today · 4.125%
HK$77,145
baseline
▲ 0.50% · 4.625%
HK$81,839
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,290/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,759
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,925
−HK$2,197/mo
Today · 4.125%
HK$85,122
baseline
▲ 0.50% · 4.625%
HK$89,609
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,244/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,692
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,326
−HK$2,676/mo
Today · 4.125%
HK$90,002
baseline
▲ 0.50% · 4.625%
HK$95,479
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,004/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,218
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,745
−HK$2,564/mo
Today · 4.125%
HK$99,309
baseline
▲ 0.50% · 4.625%
HK$104,544
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,618/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,889
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,276
−HK$3,441/mo
Today · 4.125%
HK$115,717
baseline
▲ 0.50% · 4.625%
HK$122,759
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,434/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,138
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,387
−HK$3,296/mo
Today · 4.125%
HK$127,683
baseline
▲ 0.50% · 4.625%
HK$134,413
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,366/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,502 · Scale 2, in force from 26 Feb 2026)