LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,245
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,119
−HK$1,904/mo
Today · 4.125%
HK$64,023
baseline
▲ 0.50% · 4.625%
HK$67,918
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,046/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,022
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$1,824/mo
Today · 4.125%
HK$70,643
baseline
▲ 0.50% · 4.625%
HK$74,366
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,286/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,294
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$2,285/mo
Today · 4.125%
HK$76,827
baseline
▲ 0.50% · 4.625%
HK$81,502
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,654/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,426
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,583
−HK$2,188/mo
Today · 4.125%
HK$84,771
baseline
▲ 0.50% · 4.625%
HK$89,239
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,542/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,343
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,666/mo
Today · 4.125%
HK$89,632
baseline
▲ 0.50% · 4.625%
HK$95,085
+HK$5,453/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,264/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,830
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,347
−HK$2,553/mo
Today · 4.125%
HK$98,900
baseline
▲ 0.50% · 4.625%
HK$104,113
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,800/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,440
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,814
−HK$3,427/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$122,253
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,639
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,874
−HK$3,283/mo
Today · 4.125%
HK$127,157
baseline
▲ 0.50% · 4.625%
HK$133,859
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,314/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,856 · Scale 2, in force from 26 Feb 2026)