LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,282
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,157
−HK$1,905/mo
Today · 4.125%
HK$64,062
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,124/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,862
−HK$1,825/mo
Today · 4.125%
HK$70,687
baseline
▲ 0.50% · 4.625%
HK$74,413
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,374/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,339
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,589
−HK$2,286/mo
Today · 4.125%
HK$76,875
baseline
▲ 0.50% · 4.625%
HK$81,553
+HK$4,678/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,750/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,476
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,634
−HK$2,190/mo
Today · 4.125%
HK$84,824
baseline
▲ 0.50% · 4.625%
HK$89,295
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,648/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,395
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,020
−HK$2,667/mo
Today · 4.125%
HK$89,687
baseline
▲ 0.50% · 4.625%
HK$95,145
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,374/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,889
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,407
−HK$2,554/mo
Today · 4.125%
HK$98,961
baseline
▲ 0.50% · 4.625%
HK$104,178
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,922/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,508
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,883
−HK$3,429/mo
Today · 4.125%
HK$115,312
baseline
▲ 0.50% · 4.625%
HK$122,329
+HK$7,017/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,624/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,714
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,952
−HK$3,284/mo
Today · 4.125%
HK$127,236
baseline
▲ 0.50% · 4.625%
HK$133,943
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,472/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,556 · Scale 2, in force from 26 Feb 2026)