LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,539
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,422
−HK$1,914/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$68,250
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,349
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,156
−HK$1,832/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$74,730
+HK$3,742/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,647
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,907
−HK$2,296/mo
Today · 4.125%
HK$77,203
baseline
▲ 0.50% · 4.625%
HK$81,900
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,406/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,819
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,987
−HK$2,199/mo
Today · 4.125%
HK$85,186
baseline
▲ 0.50% · 4.625%
HK$89,676
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,372/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,755
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,391
−HK$2,679/mo
Today · 4.125%
HK$90,070
baseline
▲ 0.50% · 4.625%
HK$95,550
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,140/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,289
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,818
−HK$2,565/mo
Today · 4.125%
HK$99,383
baseline
▲ 0.50% · 4.625%
HK$104,622
+HK$5,239/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,766/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,971
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,360
−HK$3,444/mo
Today · 4.125%
HK$115,804
baseline
▲ 0.50% · 4.625%
HK$122,850
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,608/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,229
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,480
−HK$3,298/mo
Today · 4.125%
HK$127,778
baseline
▲ 0.50% · 4.625%
HK$134,514
+HK$6,736/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,556/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,347 · Scale 2, in force from 26 Feb 2026)