LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,509
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,391
−HK$1,912/mo
Today · 4.125%
HK$64,303
baseline
▲ 0.50% · 4.625%
HK$68,216
+HK$3,913/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$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,315
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,121
−HK$1,831/mo
Today · 4.125%
HK$70,952
baseline
▲ 0.50% · 4.625%
HK$74,692
+HK$3,740/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$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,611
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,869
−HK$2,295/mo
Today · 4.125%
HK$77,164
baseline
▲ 0.50% · 4.625%
HK$81,859
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,328/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,779
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,945
−HK$2,198/mo
Today · 4.125%
HK$85,143
baseline
▲ 0.50% · 4.625%
HK$89,631
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,286/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,712
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,347
−HK$2,678/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$95,502
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,050/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,242
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,769
−HK$2,564/mo
Today · 4.125%
HK$99,333
baseline
▲ 0.50% · 4.625%
HK$104,569
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,666/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,916
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,304
−HK$3,442/mo
Today · 4.125%
HK$115,746
baseline
▲ 0.50% · 4.625%
HK$122,789
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,492/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,168
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,417
−HK$3,297/mo
Today · 4.125%
HK$127,714
baseline
▲ 0.50% · 4.625%
HK$134,446
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,428/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,779 · Scale 2, in force from 26 Feb 2026)