LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,261
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,135
−HK$1,904/mo
Today · 4.125%
HK$64,039
baseline
▲ 0.50% · 4.625%
HK$67,936
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,078/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,039
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,837
−HK$1,824/mo
Today · 4.125%
HK$70,661
baseline
▲ 0.50% · 4.625%
HK$74,386
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,322/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,313
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,562
−HK$2,285/mo
Today · 4.125%
HK$76,847
baseline
▲ 0.50% · 4.625%
HK$81,523
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,694/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,447
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,605
−HK$2,188/mo
Today · 4.125%
HK$84,793
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,586/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,365
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,989
−HK$2,666/mo
Today · 4.125%
HK$89,655
baseline
▲ 0.50% · 4.625%
HK$95,111
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,310/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,855
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,372
−HK$2,554/mo
Today · 4.125%
HK$98,926
baseline
▲ 0.50% · 4.625%
HK$104,140
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,852/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,469
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,843
−HK$3,428/mo
Today · 4.125%
HK$115,271
baseline
▲ 0.50% · 4.625%
HK$122,285
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,542/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,671
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,907
−HK$3,283/mo
Today · 4.125%
HK$127,190
baseline
▲ 0.50% · 4.625%
HK$133,895
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,380/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,153 · Scale 2, in force from 26 Feb 2026)