LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,595
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,480
−HK$1,915/mo
Today · 4.125%
HK$64,395
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,790/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,412
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,220
−HK$1,834/mo
Today · 4.125%
HK$71,054
baseline
▲ 0.50% · 4.625%
HK$74,799
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,108/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,714
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,976
−HK$2,298/mo
Today · 4.125%
HK$77,274
baseline
▲ 0.50% · 4.625%
HK$81,976
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,548/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,894
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,064
−HK$2,201/mo
Today · 4.125%
HK$85,265
baseline
▲ 0.50% · 4.625%
HK$89,759
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,530/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,834
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,472
−HK$2,681/mo
Today · 4.125%
HK$90,153
baseline
▲ 0.50% · 4.625%
HK$95,639
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,306/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,376
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,908
−HK$2,567/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$104,719
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,072
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,464
−HK$3,447/mo
Today · 4.125%
HK$115,911
baseline
▲ 0.50% · 4.625%
HK$122,964
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,822/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,341
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,595
−HK$3,302/mo
Today · 4.125%
HK$127,897
baseline
▲ 0.50% · 4.625%
HK$134,638
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,794/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,392 · Scale 2, in force from 26 Feb 2026)