LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,279
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,154
−HK$1,905/mo
Today · 4.125%
HK$64,059
baseline
▲ 0.50% · 4.625%
HK$67,957
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,118/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,060
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,858
−HK$1,825/mo
Today · 4.125%
HK$70,683
baseline
▲ 0.50% · 4.625%
HK$74,408
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,366/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,335
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,585
−HK$2,286/mo
Today · 4.125%
HK$76,871
baseline
▲ 0.50% · 4.625%
HK$81,548
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,742/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,472
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,630
−HK$2,189/mo
Today · 4.125%
HK$84,819
baseline
▲ 0.50% · 4.625%
HK$89,290
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,638/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,390
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,015
−HK$2,667/mo
Today · 4.125%
HK$89,682
baseline
▲ 0.50% · 4.625%
HK$95,139
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,364/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,883
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,401
−HK$2,555/mo
Today · 4.125%
HK$98,956
baseline
▲ 0.50% · 4.625%
HK$104,172
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,912/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,502
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,877
−HK$3,429/mo
Today · 4.125%
HK$115,306
baseline
▲ 0.50% · 4.625%
HK$122,322
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,612/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,707
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,945
−HK$3,284/mo
Today · 4.125%
HK$127,229
baseline
▲ 0.50% · 4.625%
HK$133,935
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,458/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,493 · Scale 2, in force from 26 Feb 2026)