LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,579
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,463
−HK$1,915/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$68,295
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,756/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,393
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$1,833/mo
Today · 4.125%
HK$71,034
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$3,745/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,068/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,695
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$2,297/mo
Today · 4.125%
HK$77,253
baseline
▲ 0.50% · 4.625%
HK$81,954
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,506/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,872
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,041
−HK$2,200/mo
Today · 4.125%
HK$85,241
baseline
▲ 0.50% · 4.625%
HK$89,734
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,482/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,810
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,448
−HK$2,681/mo
Today · 4.125%
HK$90,129
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,258/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,351
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,881
−HK$2,567/mo
Today · 4.125%
HK$99,448
baseline
▲ 0.50% · 4.625%
HK$104,690
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,896/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,042
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,434
−HK$3,446/mo
Today · 4.125%
HK$115,880
baseline
▲ 0.50% · 4.625%
HK$122,931
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,760/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,308
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,561
−HK$3,301/mo
Today · 4.125%
HK$127,862
baseline
▲ 0.50% · 4.625%
HK$134,602
+HK$6,740/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,724/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,083 · Scale 2, in force from 26 Feb 2026)