LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,283
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,158
−HK$1,905/mo
Today · 4.125%
HK$64,063
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,126/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,064
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,863
−HK$1,824/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$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,340
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,590
−HK$2,286/mo
Today · 4.125%
HK$76,876
baseline
▲ 0.50% · 4.625%
HK$81,554
+HK$4,678/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,752/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,477
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,635
−HK$2,190/mo
Today · 4.125%
HK$84,825
baseline
▲ 0.50% · 4.625%
HK$89,296
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,650/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,396
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,021
−HK$2,667/mo
Today · 4.125%
HK$89,688
baseline
▲ 0.50% · 4.625%
HK$95,146
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,376/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,890
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,408
−HK$2,554/mo
Today · 4.125%
HK$98,962
baseline
▲ 0.50% · 4.625%
HK$104,179
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,924/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,509
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,885
−HK$3,429/mo
Today · 4.125%
HK$115,314
baseline
▲ 0.50% · 4.625%
HK$122,330
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,628/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,716
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,953
−HK$3,284/mo
Today · 4.125%
HK$127,237
baseline
▲ 0.50% · 4.625%
HK$133,944
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,474/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,569 · Scale 2, in force from 26 Feb 2026)