LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,508
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,913/mo
Today · 4.125%
HK$64,303
baseline
▲ 0.50% · 4.625%
HK$68,215
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,606/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,315
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,120
−HK$1,832/mo
Today · 4.125%
HK$70,952
baseline
▲ 0.50% · 4.625%
HK$74,691
+HK$3,739/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,904/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,610
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,868
−HK$2,295/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,858
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,778
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,198/mo
Today · 4.125%
HK$85,142
baseline
▲ 0.50% · 4.625%
HK$89,630
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,284/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,711
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,346
−HK$2,678/mo
Today · 4.125%
HK$90,024
baseline
▲ 0.50% · 4.625%
HK$95,501
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,048/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,241
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,768
−HK$2,564/mo
Today · 4.125%
HK$99,332
baseline
▲ 0.50% · 4.625%
HK$104,568
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,664/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,915
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,303
−HK$3,442/mo
Today · 4.125%
HK$115,745
baseline
▲ 0.50% · 4.625%
HK$122,787
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,490/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,167
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,416
−HK$3,297/mo
Today · 4.125%
HK$127,713
baseline
▲ 0.50% · 4.625%
HK$134,445
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,426/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,767 · Scale 2, in force from 26 Feb 2026)