LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,247
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,121
−HK$1,904/mo
Today · 4.125%
HK$64,025
baseline
▲ 0.50% · 4.625%
HK$67,921
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,050/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,024
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$1,824/mo
Today · 4.125%
HK$70,646
baseline
▲ 0.50% · 4.625%
HK$74,369
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,292/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,297
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,546
−HK$2,284/mo
Today · 4.125%
HK$76,830
baseline
▲ 0.50% · 4.625%
HK$81,505
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,660/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,429
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,189/mo
Today · 4.125%
HK$84,775
baseline
▲ 0.50% · 4.625%
HK$89,243
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,550/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,346
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,665/mo
Today · 4.125%
HK$89,635
baseline
▲ 0.50% · 4.625%
HK$95,089
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,270/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,834
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,351
−HK$2,553/mo
Today · 4.125%
HK$98,904
baseline
▲ 0.50% · 4.625%
HK$104,117
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,808/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,445
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,818
−HK$3,427/mo
Today · 4.125%
HK$115,245
baseline
▲ 0.50% · 4.625%
HK$122,258
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,490/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,644
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,880
−HK$3,282/mo
Today · 4.125%
HK$127,162
baseline
▲ 0.50% · 4.625%
HK$133,865
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,324/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,904 · Scale 2, in force from 26 Feb 2026)