LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,531
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,413
−HK$1,913/mo
Today · 4.125%
HK$64,326
baseline
▲ 0.50% · 4.625%
HK$68,240
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,652/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,340
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,146
−HK$1,832/mo
Today · 4.125%
HK$70,978
baseline
▲ 0.50% · 4.625%
HK$74,719
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,956/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,637
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,896
−HK$2,296/mo
Today · 4.125%
HK$77,192
baseline
▲ 0.50% · 4.625%
HK$81,889
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,384/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,808
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,975
−HK$2,198/mo
Today · 4.125%
HK$85,173
baseline
▲ 0.50% · 4.625%
HK$89,663
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,346/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,743
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,379
−HK$2,678/mo
Today · 4.125%
HK$90,057
baseline
▲ 0.50% · 4.625%
HK$95,537
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,114/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,276
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,804
−HK$2,565/mo
Today · 4.125%
HK$99,369
baseline
▲ 0.50% · 4.625%
HK$104,607
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,738/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,955
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,344
−HK$3,443/mo
Today · 4.125%
HK$115,787
baseline
▲ 0.50% · 4.625%
HK$122,833
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,574/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,211
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,462
−HK$3,298/mo
Today · 4.125%
HK$127,760
baseline
▲ 0.50% · 4.625%
HK$134,494
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,520/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,185 · Scale 2, in force from 26 Feb 2026)