LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,580
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,914/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,918/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$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,394
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,202
−HK$1,833/mo
Today · 4.125%
HK$71,035
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$3,745/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,070/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,695
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,957
−HK$2,297/mo
Today · 4.125%
HK$77,254
baseline
▲ 0.50% · 4.625%
HK$81,955
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,508/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,873
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,042
−HK$2,200/mo
Today · 4.125%
HK$85,242
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,484/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,811
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,449
−HK$2,681/mo
Today · 4.125%
HK$90,130
baseline
▲ 0.50% · 4.625%
HK$95,614
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,260/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,352
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,882
−HK$2,567/mo
Today · 4.125%
HK$99,449
baseline
▲ 0.50% · 4.625%
HK$104,691
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,898/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,043
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,435
−HK$3,446/mo
Today · 4.125%
HK$115,881
baseline
▲ 0.50% · 4.625%
HK$122,932
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,762/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,309
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,563
−HK$3,300/mo
Today · 4.125%
HK$127,863
baseline
▲ 0.50% · 4.625%
HK$134,603
+HK$6,740/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,726/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,097 · Scale 2, in force from 26 Feb 2026)