LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,280
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,155
−HK$1,905/mo
Today · 4.125%
HK$64,060
baseline
▲ 0.50% · 4.625%
HK$67,958
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,120/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,061
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,859
−HK$1,825/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,410
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,586
−HK$2,286/mo
Today · 4.125%
HK$76,872
baseline
▲ 0.50% · 4.625%
HK$81,549
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,744/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,473
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,631
−HK$2,190/mo
Today · 4.125%
HK$84,821
baseline
▲ 0.50% · 4.625%
HK$89,292
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,642/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,392
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,017
−HK$2,667/mo
Today · 4.125%
HK$89,684
baseline
▲ 0.50% · 4.625%
HK$95,141
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,368/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,885
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,403
−HK$2,554/mo
Today · 4.125%
HK$98,957
baseline
▲ 0.50% · 4.625%
HK$104,174
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,914/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,504
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,879
−HK$3,429/mo
Today · 4.125%
HK$115,308
baseline
▲ 0.50% · 4.625%
HK$122,324
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,616/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,709
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,947
−HK$3,284/mo
Today · 4.125%
HK$127,231
baseline
▲ 0.50% · 4.625%
HK$133,937
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,462/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,512 · Scale 2, in force from 26 Feb 2026)