LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,517
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,912/mo
Today · 4.125%
HK$64,312
baseline
▲ 0.50% · 4.625%
HK$68,225
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,624/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,130
−HK$1,832/mo
Today · 4.125%
HK$70,962
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,924/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,621
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,880
−HK$2,295/mo
Today · 4.125%
HK$77,175
baseline
▲ 0.50% · 4.625%
HK$81,870
+HK$4,695/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,350/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,790
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,956
−HK$2,199/mo
Today · 4.125%
HK$85,155
baseline
▲ 0.50% · 4.625%
HK$89,643
+HK$4,488/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,310/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,724
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,359
−HK$2,678/mo
Today · 4.125%
HK$90,037
baseline
▲ 0.50% · 4.625%
HK$95,516
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,074/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,255
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,783
−HK$2,564/mo
Today · 4.125%
HK$99,347
baseline
▲ 0.50% · 4.625%
HK$104,584
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,694/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,931
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,319
−HK$3,443/mo
Today · 4.125%
HK$115,762
baseline
▲ 0.50% · 4.625%
HK$122,806
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,524/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,185
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,435
−HK$3,297/mo
Today · 4.125%
HK$127,732
baseline
▲ 0.50% · 4.625%
HK$134,465
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,464/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,936 · Scale 2, in force from 26 Feb 2026)