LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,500
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,382
−HK$1,912/mo
Today · 4.125%
HK$64,294
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,588/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,306
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,111
−HK$1,832/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$74,682
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,601
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,859
−HK$2,294/mo
Today · 4.125%
HK$77,153
baseline
▲ 0.50% · 4.625%
HK$81,848
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,306/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,767
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,197/mo
Today · 4.125%
HK$85,131
baseline
▲ 0.50% · 4.625%
HK$89,618
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,262/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,701
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,335
−HK$2,677/mo
Today · 4.125%
HK$90,012
baseline
▲ 0.50% · 4.625%
HK$95,489
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,024/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,229
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,756
−HK$2,564/mo
Today · 4.125%
HK$99,320
baseline
▲ 0.50% · 4.625%
HK$104,555
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,640/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,901
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,288
−HK$3,442/mo
Today · 4.125%
HK$115,730
baseline
▲ 0.50% · 4.625%
HK$122,772
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,460/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,151
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,400
−HK$3,297/mo
Today · 4.125%
HK$127,697
baseline
▲ 0.50% · 4.625%
HK$134,428
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,394/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,624 · Scale 2, in force from 26 Feb 2026)