LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,263
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,137
−HK$1,905/mo
Today · 4.125%
HK$64,042
baseline
▲ 0.50% · 4.625%
HK$67,938
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,084/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,041
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$1,824/mo
Today · 4.125%
HK$70,663
baseline
▲ 0.50% · 4.625%
HK$74,388
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,326/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,315
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,564
−HK$2,286/mo
Today · 4.125%
HK$76,850
baseline
▲ 0.50% · 4.625%
HK$81,526
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,700/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,450
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,607
−HK$2,189/mo
Today · 4.125%
HK$84,796
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,592/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,368
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,992
−HK$2,666/mo
Today · 4.125%
HK$89,658
baseline
▲ 0.50% · 4.625%
HK$95,114
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,316/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,858
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,375
−HK$2,554/mo
Today · 4.125%
HK$98,929
baseline
▲ 0.50% · 4.625%
HK$104,144
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,858/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,473
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,847
−HK$3,428/mo
Today · 4.125%
HK$115,275
baseline
▲ 0.50% · 4.625%
HK$122,289
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,550/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,675
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,911
−HK$3,283/mo
Today · 4.125%
HK$127,194
baseline
▲ 0.50% · 4.625%
HK$133,899
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,388/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,189 · Scale 2, in force from 26 Feb 2026)