LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,608
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,493
−HK$1,916/mo
Today · 4.125%
HK$64,409
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,818/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,426
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,234
−HK$1,835/mo
Today · 4.125%
HK$71,069
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,138/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,730
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,992
−HK$2,299/mo
Today · 4.125%
HK$77,291
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,582/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,911
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,081
−HK$2,202/mo
Today · 4.125%
HK$85,283
baseline
▲ 0.50% · 4.625%
HK$89,778
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,566/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,852
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,681/mo
Today · 4.125%
HK$90,172
baseline
▲ 0.50% · 4.625%
HK$95,659
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,344/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,396
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,928
−HK$2,568/mo
Today · 4.125%
HK$99,496
baseline
▲ 0.50% · 4.625%
HK$104,741
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$198,992/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,095
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,488
−HK$3,448/mo
Today · 4.125%
HK$115,936
baseline
▲ 0.50% · 4.625%
HK$122,990
+HK$7,054/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,872/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,367
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,622
−HK$3,302/mo
Today · 4.125%
HK$127,924
baseline
▲ 0.50% · 4.625%
HK$134,667
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,848/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,632 · Scale 2, in force from 26 Feb 2026)