LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,505
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,387
−HK$1,912/mo
Today · 4.125%
HK$64,299
baseline
▲ 0.50% · 4.625%
HK$68,212
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,598/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,311
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,116
−HK$1,832/mo
Today · 4.125%
HK$70,948
baseline
▲ 0.50% · 4.625%
HK$74,688
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,896/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,606
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,864
−HK$2,295/mo
Today · 4.125%
HK$77,159
baseline
▲ 0.50% · 4.625%
HK$81,854
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,318/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,773
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,940
−HK$2,197/mo
Today · 4.125%
HK$85,137
baseline
▲ 0.50% · 4.625%
HK$89,625
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,274/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,707
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,342
−HK$2,677/mo
Today · 4.125%
HK$90,019
baseline
▲ 0.50% · 4.625%
HK$95,496
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,038/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,236
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,763
−HK$2,564/mo
Today · 4.125%
HK$99,327
baseline
▲ 0.50% · 4.625%
HK$104,563
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,654/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,909
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,297
−HK$3,441/mo
Today · 4.125%
HK$115,738
baseline
▲ 0.50% · 4.625%
HK$122,781
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,476/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,160
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,410
−HK$3,296/mo
Today · 4.125%
HK$127,706
baseline
▲ 0.50% · 4.625%
HK$134,438
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,412/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,707 · Scale 2, in force from 26 Feb 2026)