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$67,919
+HK$3,896/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$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,022
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,820
−HK$1,823/mo
Today · 4.125%
HK$70,643
baseline
▲ 0.50% · 4.625%
HK$74,367
+HK$3,724/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$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,294
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,543
−HK$2,285/mo
Today · 4.125%
HK$76,828
baseline
▲ 0.50% · 4.625%
HK$81,503
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,656/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,427
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,584
−HK$2,188/mo
Today · 4.125%
HK$84,772
baseline
▲ 0.50% · 4.625%
HK$89,240
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,544/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,344
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,967
−HK$2,666/mo
Today · 4.125%
HK$89,633
baseline
▲ 0.50% · 4.625%
HK$95,087
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,266/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,831
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,348
−HK$2,553/mo
Today · 4.125%
HK$98,901
baseline
▲ 0.50% · 4.625%
HK$104,114
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,802/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,442
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,815
−HK$3,427/mo
Today · 4.125%
HK$115,242
baseline
▲ 0.50% · 4.625%
HK$122,254
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,484/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,640
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,876
−HK$3,282/mo
Today · 4.125%
HK$127,158
baseline
▲ 0.50% · 4.625%
HK$133,861
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,316/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,869 · Scale 2, in force from 26 Feb 2026)