LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,511
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,393
−HK$1,912/mo
Today · 4.125%
HK$64,305
baseline
▲ 0.50% · 4.625%
HK$68,218
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,610/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,317
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,123
−HK$1,831/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$74,694
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,613
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,871
−HK$2,295/mo
Today · 4.125%
HK$77,166
baseline
▲ 0.50% · 4.625%
HK$81,861
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,332/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,781
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,947
−HK$2,198/mo
Today · 4.125%
HK$85,145
baseline
▲ 0.50% · 4.625%
HK$89,633
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,290/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,715
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,350
−HK$2,677/mo
Today · 4.125%
HK$90,027
baseline
▲ 0.50% · 4.625%
HK$95,505
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,054/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,244
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,772
−HK$2,564/mo
Today · 4.125%
HK$99,336
baseline
▲ 0.50% · 4.625%
HK$104,572
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,672/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,919
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,307
−HK$3,442/mo
Today · 4.125%
HK$115,749
baseline
▲ 0.50% · 4.625%
HK$122,792
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,498/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,171
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,421
−HK$3,297/mo
Today · 4.125%
HK$127,718
baseline
▲ 0.50% · 4.625%
HK$134,450
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,436/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,812 · Scale 2, in force from 26 Feb 2026)