LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,256
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,130
−HK$1,904/mo
Today · 4.125%
HK$64,034
baseline
▲ 0.50% · 4.625%
HK$67,930
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,068/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,034
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$1,823/mo
Today · 4.125%
HK$70,655
baseline
▲ 0.50% · 4.625%
HK$74,380
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,310/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,307
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,556
−HK$2,285/mo
Today · 4.125%
HK$76,841
baseline
▲ 0.50% · 4.625%
HK$81,517
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,682/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,440
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,598
−HK$2,188/mo
Today · 4.125%
HK$84,786
baseline
▲ 0.50% · 4.625%
HK$89,256
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,572/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,358
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,666/mo
Today · 4.125%
HK$89,648
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,296/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,847
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,364
−HK$2,553/mo
Today · 4.125%
HK$98,917
baseline
▲ 0.50% · 4.625%
HK$104,132
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,834/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,460
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,834
−HK$3,427/mo
Today · 4.125%
HK$115,261
baseline
▲ 0.50% · 4.625%
HK$122,275
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,522/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,661
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,897
−HK$3,283/mo
Today · 4.125%
HK$127,180
baseline
▲ 0.50% · 4.625%
HK$133,883
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,360/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,059 · Scale 2, in force from 26 Feb 2026)