LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,530
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,412
−HK$1,913/mo
Today · 4.125%
HK$64,325
baseline
▲ 0.50% · 4.625%
HK$68,239
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,650/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,339
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,145
−HK$1,832/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,636
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,895
−HK$2,295/mo
Today · 4.125%
HK$77,190
baseline
▲ 0.50% · 4.625%
HK$81,887
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,380/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,806
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,973
−HK$2,199/mo
Today · 4.125%
HK$85,172
baseline
▲ 0.50% · 4.625%
HK$89,662
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,344/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,741
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,377
−HK$2,678/mo
Today · 4.125%
HK$90,055
baseline
▲ 0.50% · 4.625%
HK$95,535
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,110/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,274
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,565/mo
Today · 4.125%
HK$99,367
baseline
▲ 0.50% · 4.625%
HK$104,605
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,734/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,953
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,342
−HK$3,444/mo
Today · 4.125%
HK$115,786
baseline
▲ 0.50% · 4.625%
HK$122,831
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,572/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,209
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,460
−HK$3,298/mo
Today · 4.125%
HK$127,758
baseline
▲ 0.50% · 4.625%
HK$134,492
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,516/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,167 · Scale 2, in force from 26 Feb 2026)