LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,289
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,905/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,870
−HK$1,825/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,421
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,347
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,597
−HK$2,287/mo
Today · 4.125%
HK$76,884
baseline
▲ 0.50% · 4.625%
HK$81,562
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,768/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,485
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,644
−HK$2,190/mo
Today · 4.125%
HK$84,834
baseline
▲ 0.50% · 4.625%
HK$89,305
+HK$4,471/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,668/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,405
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,030
−HK$2,668/mo
Today · 4.125%
HK$89,698
baseline
▲ 0.50% · 4.625%
HK$95,156
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,396/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,900
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,418
−HK$2,555/mo
Today · 4.125%
HK$98,973
baseline
▲ 0.50% · 4.625%
HK$104,190
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,946/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,521
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,896
−HK$3,430/mo
Today · 4.125%
HK$115,326
baseline
▲ 0.50% · 4.625%
HK$122,343
+HK$7,017/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,652/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,728
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,966
−HK$3,285/mo
Today · 4.125%
HK$127,251
baseline
▲ 0.50% · 4.625%
HK$133,958
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,502/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,686 · Scale 2, in force from 26 Feb 2026)