LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,611
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,496
−HK$1,916/mo
Today · 4.125%
HK$64,412
baseline
▲ 0.50% · 4.625%
HK$68,331
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,824/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,429
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$1,835/mo
Today · 4.125%
HK$71,072
baseline
▲ 0.50% · 4.625%
HK$74,818
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,144/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,733
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,996
−HK$2,298/mo
Today · 4.125%
HK$77,294
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,588/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,915
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,085
−HK$2,201/mo
Today · 4.125%
HK$85,286
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$4,496/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,572/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,855
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,495
−HK$2,682/mo
Today · 4.125%
HK$90,177
baseline
▲ 0.50% · 4.625%
HK$95,664
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,354/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,401
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,932
−HK$2,569/mo
Today · 4.125%
HK$99,501
baseline
▲ 0.50% · 4.625%
HK$104,746
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,002/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,100
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,493
−HK$3,448/mo
Today · 4.125%
HK$115,941
baseline
▲ 0.50% · 4.625%
HK$122,996
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,882/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,372
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,627
−HK$3,303/mo
Today · 4.125%
HK$127,930
baseline
▲ 0.50% · 4.625%
HK$134,673
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,860/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,683 · Scale 2, in force from 26 Feb 2026)