LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,246
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,120
−HK$1,904/mo
Today · 4.125%
HK$64,024
baseline
▲ 0.50% · 4.625%
HK$67,920
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,048/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,024
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,821
−HK$1,824/mo
Today · 4.125%
HK$70,645
baseline
▲ 0.50% · 4.625%
HK$74,368
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,290/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,296
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,545
−HK$2,284/mo
Today · 4.125%
HK$76,829
baseline
▲ 0.50% · 4.625%
HK$81,504
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,658/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,428
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,585
−HK$2,189/mo
Today · 4.125%
HK$84,774
baseline
▲ 0.50% · 4.625%
HK$89,242
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,548/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,345
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,969
−HK$2,665/mo
Today · 4.125%
HK$89,634
baseline
▲ 0.50% · 4.625%
HK$95,088
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,268/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,833
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,350
−HK$2,552/mo
Today · 4.125%
HK$98,902
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,804/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,444
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,817
−HK$3,427/mo
Today · 4.125%
HK$115,244
baseline
▲ 0.50% · 4.625%
HK$122,256
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,488/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,642
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,878
−HK$3,282/mo
Today · 4.125%
HK$127,160
baseline
▲ 0.50% · 4.625%
HK$133,863
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,320/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,889 · Scale 2, in force from 26 Feb 2026)