LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,502
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,384
−HK$1,912/mo
Today · 4.125%
HK$64,296
baseline
▲ 0.50% · 4.625%
HK$68,208
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,592/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,308
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,113
−HK$1,831/mo
Today · 4.125%
HK$70,944
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,888/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,602
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,860
−HK$2,295/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,850
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,310/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,935
−HK$2,198/mo
Today · 4.125%
HK$85,133
baseline
▲ 0.50% · 4.625%
HK$89,620
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,266/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,702
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,337
−HK$2,677/mo
Today · 4.125%
HK$90,014
baseline
▲ 0.50% · 4.625%
HK$95,491
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,028/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,231
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,758
−HK$2,564/mo
Today · 4.125%
HK$99,322
baseline
▲ 0.50% · 4.625%
HK$104,557
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,644/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,903
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,291
−HK$3,441/mo
Today · 4.125%
HK$115,732
baseline
▲ 0.50% · 4.625%
HK$122,774
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,464/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,154
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,403
−HK$3,296/mo
Today · 4.125%
HK$127,699
baseline
▲ 0.50% · 4.625%
HK$134,430
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,398/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,646 · Scale 2, in force from 26 Feb 2026)