LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,252
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,905/mo
Today · 4.125%
HK$64,031
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,062/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,828
−HK$1,823/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$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,303
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,552
−HK$2,285/mo
Today · 4.125%
HK$76,837
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,674/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,436
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,593
−HK$2,189/mo
Today · 4.125%
HK$84,782
baseline
▲ 0.50% · 4.625%
HK$89,251
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,564/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,353
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,977
−HK$2,666/mo
Today · 4.125%
HK$89,643
baseline
▲ 0.50% · 4.625%
HK$95,097
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,286/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,842
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,359
−HK$2,553/mo
Today · 4.125%
HK$98,912
baseline
▲ 0.50% · 4.625%
HK$104,126
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,824/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,454
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,827
−HK$3,428/mo
Today · 4.125%
HK$115,255
baseline
▲ 0.50% · 4.625%
HK$122,268
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,510/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,654
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,890
−HK$3,282/mo
Today · 4.125%
HK$127,172
baseline
▲ 0.50% · 4.625%
HK$133,876
+HK$6,704/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,344/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,996 · Scale 2, in force from 26 Feb 2026)