LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,592
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,477
−HK$1,915/mo
Today · 4.125%
HK$64,392
baseline
▲ 0.50% · 4.625%
HK$68,310
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,784/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,408
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,216
−HK$1,834/mo
Today · 4.125%
HK$71,050
baseline
▲ 0.50% · 4.625%
HK$74,795
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,100/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,710
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,972
−HK$2,298/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,890
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,059
−HK$2,201/mo
Today · 4.125%
HK$85,260
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,520/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,829
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,467
−HK$2,681/mo
Today · 4.125%
HK$90,148
baseline
▲ 0.50% · 4.625%
HK$95,634
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,296/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,371
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,902
−HK$2,568/mo
Today · 4.125%
HK$99,470
baseline
▲ 0.50% · 4.625%
HK$104,713
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,940/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,066
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,458
−HK$3,447/mo
Today · 4.125%
HK$115,905
baseline
▲ 0.50% · 4.625%
HK$122,958
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,810/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,334
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,589
−HK$3,301/mo
Today · 4.125%
HK$127,890
baseline
▲ 0.50% · 4.625%
HK$134,631
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,780/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,330 · Scale 2, in force from 26 Feb 2026)