LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,534
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,417
−HK$1,913/mo
Today · 4.125%
HK$64,330
baseline
▲ 0.50% · 4.625%
HK$68,245
+HK$3,915/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,660/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,344
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,150
−HK$1,832/mo
Today · 4.125%
HK$70,982
baseline
▲ 0.50% · 4.625%
HK$74,724
+HK$3,742/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,964/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,641
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,901
−HK$2,296/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,894
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,813
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,980
−HK$2,199/mo
Today · 4.125%
HK$85,179
baseline
▲ 0.50% · 4.625%
HK$89,669
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,358/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,748
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,384
−HK$2,679/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$95,543
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,281
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,810
−HK$2,565/mo
Today · 4.125%
HK$99,375
baseline
▲ 0.50% · 4.625%
HK$104,613
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,750/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,962
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,351
−HK$3,444/mo
Today · 4.125%
HK$115,795
baseline
▲ 0.50% · 4.625%
HK$122,841
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,590/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,219
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,470
−HK$3,298/mo
Today · 4.125%
HK$127,768
baseline
▲ 0.50% · 4.625%
HK$134,503
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,536/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,256 · Scale 2, in force from 26 Feb 2026)