LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,267
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,142
−HK$1,904/mo
Today · 4.125%
HK$64,046
baseline
▲ 0.50% · 4.625%
HK$67,943
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,092/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$1,825/mo
Today · 4.125%
HK$70,669
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,338/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,320
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$2,285/mo
Today · 4.125%
HK$76,855
baseline
▲ 0.50% · 4.625%
HK$81,532
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,710/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,456
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,613
−HK$2,189/mo
Today · 4.125%
HK$84,802
baseline
▲ 0.50% · 4.625%
HK$89,272
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,604/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,374
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,998
−HK$2,667/mo
Today · 4.125%
HK$89,665
baseline
▲ 0.50% · 4.625%
HK$95,120
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,330/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,865
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,382
−HK$2,554/mo
Today · 4.125%
HK$98,936
baseline
▲ 0.50% · 4.625%
HK$104,151
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,872/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,480
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,855
−HK$3,428/mo
Today · 4.125%
HK$115,283
baseline
▲ 0.50% · 4.625%
HK$122,298
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,566/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,683
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,920
−HK$3,283/mo
Today · 4.125%
HK$127,203
baseline
▲ 0.50% · 4.625%
HK$133,909
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,406/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,270 · Scale 2, in force from 26 Feb 2026)