LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,538
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,421
−HK$1,913/mo
Today · 4.125%
HK$64,334
baseline
▲ 0.50% · 4.625%
HK$68,249
+HK$3,915/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,668/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,348
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,154
−HK$1,833/mo
Today · 4.125%
HK$70,987
baseline
▲ 0.50% · 4.625%
HK$74,728
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,974/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,646
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,905
−HK$2,296/mo
Today · 4.125%
HK$77,201
baseline
▲ 0.50% · 4.625%
HK$81,899
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,402/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,818
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,985
−HK$2,199/mo
Today · 4.125%
HK$85,184
baseline
▲ 0.50% · 4.625%
HK$89,674
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,368/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,390
−HK$2,678/mo
Today · 4.125%
HK$90,068
baseline
▲ 0.50% · 4.625%
HK$95,549
+HK$5,481/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,136/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,287
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,816
−HK$2,565/mo
Today · 4.125%
HK$99,381
baseline
▲ 0.50% · 4.625%
HK$104,620
+HK$5,239/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,762/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,969
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,358
−HK$3,444/mo
Today · 4.125%
HK$115,802
baseline
▲ 0.50% · 4.625%
HK$122,848
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,604/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,226
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,478
−HK$3,298/mo
Today · 4.125%
HK$127,776
baseline
▲ 0.50% · 4.625%
HK$134,511
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,552/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,325 · Scale 2, in force from 26 Feb 2026)