LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,603
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,488
−HK$1,916/mo
Today · 4.125%
HK$64,404
baseline
▲ 0.50% · 4.625%
HK$68,322
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,808/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,421
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,229
−HK$1,834/mo
Today · 4.125%
HK$71,063
baseline
▲ 0.50% · 4.625%
HK$74,809
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,126/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,724
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,986
−HK$2,298/mo
Today · 4.125%
HK$77,284
baseline
▲ 0.50% · 4.625%
HK$81,987
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,568/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,905
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,075
−HK$2,201/mo
Today · 4.125%
HK$85,276
baseline
▲ 0.50% · 4.625%
HK$89,771
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,552/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,845
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,484
−HK$2,681/mo
Today · 4.125%
HK$90,165
baseline
▲ 0.50% · 4.625%
HK$95,651
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,330/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,389
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,920
−HK$2,568/mo
Today · 4.125%
HK$99,488
baseline
▲ 0.50% · 4.625%
HK$104,732
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,976/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,086
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,479
−HK$3,448/mo
Today · 4.125%
HK$115,927
baseline
▲ 0.50% · 4.625%
HK$122,980
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,854/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,357
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,612
−HK$3,302/mo
Today · 4.125%
HK$127,914
baseline
▲ 0.50% · 4.625%
HK$134,656
+HK$6,742/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,828/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,540 · Scale 2, in force from 26 Feb 2026)