LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,257
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,131
−HK$1,905/mo
Today · 4.125%
HK$64,036
baseline
▲ 0.50% · 4.625%
HK$67,932
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,072/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,035
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,833
−HK$1,824/mo
Today · 4.125%
HK$70,657
baseline
▲ 0.50% · 4.625%
HK$74,381
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,314/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$2,286/mo
Today · 4.125%
HK$76,843
baseline
▲ 0.50% · 4.625%
HK$81,518
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,686/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,442
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,600
−HK$2,188/mo
Today · 4.125%
HK$84,788
baseline
▲ 0.50% · 4.625%
HK$89,258
+HK$4,470/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$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,360
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,984
−HK$2,666/mo
Today · 4.125%
HK$89,650
baseline
▲ 0.50% · 4.625%
HK$95,105
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,300/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,849
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,366
−HK$2,554/mo
Today · 4.125%
HK$98,920
baseline
▲ 0.50% · 4.625%
HK$104,134
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,840/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,462
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,836
−HK$3,428/mo
Today · 4.125%
HK$115,264
baseline
▲ 0.50% · 4.625%
HK$122,277
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,528/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,663
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,899
−HK$3,283/mo
Today · 4.125%
HK$127,182
baseline
▲ 0.50% · 4.625%
HK$133,886
+HK$6,704/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,364/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,083 · Scale 2, in force from 26 Feb 2026)