LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,499
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,380
−HK$1,912/mo
Today · 4.125%
HK$64,292
baseline
▲ 0.50% · 4.625%
HK$68,204
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,584/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,304
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,109
−HK$1,831/mo
Today · 4.125%
HK$70,940
baseline
▲ 0.50% · 4.625%
HK$74,680
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,880/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,598
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,856
−HK$2,295/mo
Today · 4.125%
HK$77,151
baseline
▲ 0.50% · 4.625%
HK$81,845
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,302/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,765
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,931
−HK$2,197/mo
Today · 4.125%
HK$85,128
baseline
▲ 0.50% · 4.625%
HK$89,615
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,256/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,698
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,333
−HK$2,676/mo
Today · 4.125%
HK$90,009
baseline
▲ 0.50% · 4.625%
HK$95,486
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,018/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,226
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,753
−HK$2,563/mo
Today · 4.125%
HK$99,316
baseline
▲ 0.50% · 4.625%
HK$104,551
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,632/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,897
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,285
−HK$3,441/mo
Today · 4.125%
HK$115,726
baseline
▲ 0.50% · 4.625%
HK$122,768
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,452/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,147
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,396
−HK$3,296/mo
Today · 4.125%
HK$127,692
baseline
▲ 0.50% · 4.625%
HK$134,423
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,384/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,587 · Scale 2, in force from 26 Feb 2026)