LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,252
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,904/mo
Today · 4.125%
HK$64,030
baseline
▲ 0.50% · 4.625%
HK$67,926
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,060/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,029
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,827
−HK$1,824/mo
Today · 4.125%
HK$70,651
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,302/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,302
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,551
−HK$2,285/mo
Today · 4.125%
HK$76,836
baseline
▲ 0.50% · 4.625%
HK$81,511
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,672/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,435
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,592
−HK$2,189/mo
Today · 4.125%
HK$84,781
baseline
▲ 0.50% · 4.625%
HK$89,250
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,562/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,352
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,976
−HK$2,666/mo
Today · 4.125%
HK$89,642
baseline
▲ 0.50% · 4.625%
HK$95,096
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,284/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,841
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,358
−HK$2,553/mo
Today · 4.125%
HK$98,911
baseline
▲ 0.50% · 4.625%
HK$104,125
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,822/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,453
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,826
−HK$3,428/mo
Today · 4.125%
HK$115,254
baseline
▲ 0.50% · 4.625%
HK$122,267
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,508/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,653
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,888
−HK$3,283/mo
Today · 4.125%
HK$127,171
baseline
▲ 0.50% · 4.625%
HK$133,874
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,342/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,984 · Scale 2, in force from 26 Feb 2026)