LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,255
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,129
−HK$1,904/mo
Today · 4.125%
HK$64,033
baseline
▲ 0.50% · 4.625%
HK$67,930
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,066/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,033
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,831
−HK$1,823/mo
Today · 4.125%
HK$70,654
baseline
▲ 0.50% · 4.625%
HK$74,379
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,308/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,306
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,555
−HK$2,285/mo
Today · 4.125%
HK$76,840
baseline
▲ 0.50% · 4.625%
HK$81,515
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,680/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,439
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,597
−HK$2,188/mo
Today · 4.125%
HK$84,785
baseline
▲ 0.50% · 4.625%
HK$89,254
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,570/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,357
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,981
−HK$2,666/mo
Today · 4.125%
HK$89,647
baseline
▲ 0.50% · 4.625%
HK$95,101
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,294/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,846
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,363
−HK$2,553/mo
Today · 4.125%
HK$98,916
baseline
▲ 0.50% · 4.625%
HK$104,130
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,832/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,459
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,832
−HK$3,428/mo
Today · 4.125%
HK$115,260
baseline
▲ 0.50% · 4.625%
HK$122,273
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,520/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,659
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,895
−HK$3,283/mo
Today · 4.125%
HK$127,178
baseline
▲ 0.50% · 4.625%
HK$133,882
+HK$6,704/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,356/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,044 · Scale 2, in force from 26 Feb 2026)