LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,496
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,912/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$68,201
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,301
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$1,831/mo
Today · 4.125%
HK$70,937
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,874/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,595
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,853
−HK$2,294/mo
Today · 4.125%
HK$77,147
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,294/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,761
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,927
−HK$2,197/mo
Today · 4.125%
HK$85,124
baseline
▲ 0.50% · 4.625%
HK$89,611
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,248/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,694
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,677/mo
Today · 4.125%
HK$90,005
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,010/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,221
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,748
−HK$2,564/mo
Today · 4.125%
HK$99,312
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,624/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,892
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,279
−HK$3,442/mo
Today · 4.125%
HK$115,721
baseline
▲ 0.50% · 4.625%
HK$122,762
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,442/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,141
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,390
−HK$3,296/mo
Today · 4.125%
HK$127,686
baseline
▲ 0.50% · 4.625%
HK$134,417
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,372/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,533 · Scale 2, in force from 26 Feb 2026)