LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,499
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,912/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$68,205
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,305
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$1,831/mo
Today · 4.125%
HK$70,941
baseline
▲ 0.50% · 4.625%
HK$74,680
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,882/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,599
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,857
−HK$2,295/mo
Today · 4.125%
HK$77,152
baseline
▲ 0.50% · 4.625%
HK$81,846
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,304/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,766
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,932
−HK$2,197/mo
Today · 4.125%
HK$85,129
baseline
▲ 0.50% · 4.625%
HK$89,617
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,258/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,699
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,334
−HK$2,676/mo
Today · 4.125%
HK$90,010
baseline
▲ 0.50% · 4.625%
HK$95,487
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,020/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,227
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,754
−HK$2,564/mo
Today · 4.125%
HK$99,318
baseline
▲ 0.50% · 4.625%
HK$104,553
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,636/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,899
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,286
−HK$3,442/mo
Today · 4.125%
HK$115,728
baseline
▲ 0.50% · 4.625%
HK$122,769
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,456/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,149
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,398
−HK$3,296/mo
Today · 4.125%
HK$127,694
baseline
▲ 0.50% · 4.625%
HK$134,425
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,388/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,601 · Scale 2, in force from 26 Feb 2026)