LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,583
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,467
−HK$1,915/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$1,834/mo
Today · 4.125%
HK$71,039
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$3,745/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,078/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,699
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,961
−HK$2,297/mo
Today · 4.125%
HK$77,258
baseline
▲ 0.50% · 4.625%
HK$81,959
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,516/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,877
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,047
−HK$2,200/mo
Today · 4.125%
HK$85,247
baseline
▲ 0.50% · 4.625%
HK$89,740
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,494/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,816
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,454
−HK$2,681/mo
Today · 4.125%
HK$90,135
baseline
▲ 0.50% · 4.625%
HK$95,619
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,270/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,357
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,888
−HK$2,567/mo
Today · 4.125%
HK$99,455
baseline
▲ 0.50% · 4.625%
HK$104,697
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,910/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,049
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,441
−HK$3,447/mo
Today · 4.125%
HK$115,888
baseline
▲ 0.50% · 4.625%
HK$122,939
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,776/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,316
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,570
−HK$3,300/mo
Today · 4.125%
HK$127,870
baseline
▲ 0.50% · 4.625%
HK$134,611
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,740/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,160 · Scale 2, in force from 26 Feb 2026)