LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,256
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,131
−HK$1,904/mo
Today · 4.125%
HK$64,035
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,070/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,035
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$1,824/mo
Today · 4.125%
HK$70,656
baseline
▲ 0.50% · 4.625%
HK$74,381
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,312/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$2,285/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$81,518
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,442
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,599
−HK$2,189/mo
Today · 4.125%
HK$84,788
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,576/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,359
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,983
−HK$2,666/mo
Today · 4.125%
HK$89,649
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,298/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,848
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,365
−HK$2,554/mo
Today · 4.125%
HK$98,919
baseline
▲ 0.50% · 4.625%
HK$104,133
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,838/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,461
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,835
−HK$3,428/mo
Today · 4.125%
HK$115,263
baseline
▲ 0.50% · 4.625%
HK$122,276
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,526/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,662
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,898
−HK$3,283/mo
Today · 4.125%
HK$127,181
baseline
▲ 0.50% · 4.625%
HK$133,885
+HK$6,704/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,362/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,074 · Scale 2, in force from 26 Feb 2026)