LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,536
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,419
−HK$1,913/mo
Today · 4.125%
HK$64,332
baseline
▲ 0.50% · 4.625%
HK$68,247
+HK$3,915/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,664/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$1,833/mo
Today · 4.125%
HK$70,985
baseline
▲ 0.50% · 4.625%
HK$74,726
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,970/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,644
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$2,296/mo
Today · 4.125%
HK$77,199
baseline
▲ 0.50% · 4.625%
HK$81,896
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,398/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,815
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,983
−HK$2,198/mo
Today · 4.125%
HK$85,181
baseline
▲ 0.50% · 4.625%
HK$89,672
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,362/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,751
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,387
−HK$2,678/mo
Today · 4.125%
HK$90,065
baseline
▲ 0.50% · 4.625%
HK$95,546
+HK$5,481/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,130/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,284
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,813
−HK$2,565/mo
Today · 4.125%
HK$99,378
baseline
▲ 0.50% · 4.625%
HK$104,617
+HK$5,239/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,756/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,965
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,355
−HK$3,443/mo
Today · 4.125%
HK$115,798
baseline
▲ 0.50% · 4.625%
HK$122,845
+HK$7,047/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,596/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,223
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,474
−HK$3,298/mo
Today · 4.125%
HK$127,772
baseline
▲ 0.50% · 4.625%
HK$134,507
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,544/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,292 · Scale 2, in force from 26 Feb 2026)