LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,276
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,904/mo
Today · 4.125%
HK$64,055
baseline
▲ 0.50% · 4.625%
HK$67,953
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,110/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,056
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,854
−HK$1,825/mo
Today · 4.125%
HK$70,679
baseline
▲ 0.50% · 4.625%
HK$74,404
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,358/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,331
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$2,286/mo
Today · 4.125%
HK$76,867
baseline
▲ 0.50% · 4.625%
HK$81,544
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,734/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,467
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,625
−HK$2,190/mo
Today · 4.125%
HK$84,815
baseline
▲ 0.50% · 4.625%
HK$89,285
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,630/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,011
−HK$2,667/mo
Today · 4.125%
HK$89,678
baseline
▲ 0.50% · 4.625%
HK$95,134
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,356/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,396
−HK$2,554/mo
Today · 4.125%
HK$98,950
baseline
▲ 0.50% · 4.625%
HK$104,166
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,900/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,496
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,871
−HK$3,429/mo
Today · 4.125%
HK$115,300
baseline
▲ 0.50% · 4.625%
HK$122,316
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,600/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,701
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,938
−HK$3,284/mo
Today · 4.125%
HK$127,222
baseline
▲ 0.50% · 4.625%
HK$133,928
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,444/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,434 · Scale 2, in force from 26 Feb 2026)