LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,503
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,912/mo
Today · 4.125%
HK$64,297
baseline
▲ 0.50% · 4.625%
HK$68,209
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,594/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,309
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,114
−HK$1,832/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,604
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,862
−HK$2,295/mo
Today · 4.125%
HK$77,157
baseline
▲ 0.50% · 4.625%
HK$81,851
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,314/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,771
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,937
−HK$2,198/mo
Today · 4.125%
HK$85,135
baseline
▲ 0.50% · 4.625%
HK$89,622
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,270/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,704
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,339
−HK$2,677/mo
Today · 4.125%
HK$90,016
baseline
▲ 0.50% · 4.625%
HK$95,493
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,032/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,233
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,760
−HK$2,564/mo
Today · 4.125%
HK$99,324
baseline
▲ 0.50% · 4.625%
HK$104,559
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,648/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,905
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,293
−HK$3,442/mo
Today · 4.125%
HK$115,735
baseline
▲ 0.50% · 4.625%
HK$122,777
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,470/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,156
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,406
−HK$3,296/mo
Today · 4.125%
HK$127,702
baseline
▲ 0.50% · 4.625%
HK$134,433
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,404/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,671 · Scale 2, in force from 26 Feb 2026)