LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,590
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,474
−HK$1,915/mo
Today · 4.125%
HK$64,389
baseline
▲ 0.50% · 4.625%
HK$68,307
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,778/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,405
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,213
−HK$1,834/mo
Today · 4.125%
HK$71,047
baseline
▲ 0.50% · 4.625%
HK$74,792
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,094/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,708
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,969
−HK$2,298/mo
Today · 4.125%
HK$77,267
baseline
▲ 0.50% · 4.625%
HK$81,969
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,534/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,886
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,056
−HK$2,201/mo
Today · 4.125%
HK$85,257
baseline
▲ 0.50% · 4.625%
HK$89,751
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,514/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,826
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,464
−HK$2,681/mo
Today · 4.125%
HK$90,145
baseline
▲ 0.50% · 4.625%
HK$95,630
+HK$5,485/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,290/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,368
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,898
−HK$2,568/mo
Today · 4.125%
HK$99,466
baseline
▲ 0.50% · 4.625%
HK$104,709
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,932/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,061
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,454
−HK$3,447/mo
Today · 4.125%
HK$115,901
baseline
▲ 0.50% · 4.625%
HK$122,953
+HK$7,052/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,802/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,330
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,584
−HK$3,301/mo
Today · 4.125%
HK$127,885
baseline
▲ 0.50% · 4.625%
HK$134,626
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,770/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,286 · Scale 2, in force from 26 Feb 2026)