LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,239
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,113
−HK$1,904/mo
Today · 4.125%
HK$64,017
baseline
▲ 0.50% · 4.625%
HK$67,912
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,034/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,015
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,813
−HK$1,823/mo
Today · 4.125%
HK$70,636
baseline
▲ 0.50% · 4.625%
HK$74,359
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,272/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,287
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,535
−HK$2,285/mo
Today · 4.125%
HK$76,820
baseline
▲ 0.50% · 4.625%
HK$81,494
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,640/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,419
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,575
−HK$2,188/mo
Today · 4.125%
HK$84,763
baseline
▲ 0.50% · 4.625%
HK$89,231
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,526/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,335
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,958
−HK$2,665/mo
Today · 4.125%
HK$89,623
baseline
▲ 0.50% · 4.625%
HK$95,077
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,246/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,822
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,338
−HK$2,552/mo
Today · 4.125%
HK$98,890
baseline
▲ 0.50% · 4.625%
HK$104,103
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,780/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,430
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,803
−HK$3,427/mo
Today · 4.125%
HK$115,230
baseline
▲ 0.50% · 4.625%
HK$122,241
+HK$7,011/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,460/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,628
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,863
−HK$3,282/mo
Today · 4.125%
HK$127,145
baseline
▲ 0.50% · 4.625%
HK$133,847
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,290/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,753 · Scale 2, in force from 26 Feb 2026)