LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,518
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,401
−HK$1,912/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$68,227
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,326
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,132
−HK$1,831/mo
Today · 4.125%
HK$70,963
baseline
▲ 0.50% · 4.625%
HK$74,704
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,926/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,622
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,881
−HK$2,295/mo
Today · 4.125%
HK$77,176
baseline
▲ 0.50% · 4.625%
HK$81,872
+HK$4,696/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,352/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,791
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,958
−HK$2,198/mo
Today · 4.125%
HK$85,156
baseline
▲ 0.50% · 4.625%
HK$89,645
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,312/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,726
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,361
−HK$2,678/mo
Today · 4.125%
HK$90,039
baseline
▲ 0.50% · 4.625%
HK$95,517
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,078/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,256
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,784
−HK$2,565/mo
Today · 4.125%
HK$99,349
baseline
▲ 0.50% · 4.625%
HK$104,586
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,698/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,933
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,321
−HK$3,443/mo
Today · 4.125%
HK$115,764
baseline
▲ 0.50% · 4.625%
HK$122,808
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,528/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,187
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,437
−HK$3,297/mo
Today · 4.125%
HK$127,734
baseline
▲ 0.50% · 4.625%
HK$134,467
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,468/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,956 · Scale 2, in force from 26 Feb 2026)