LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,290
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,906/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$1,825/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,598
−HK$2,287/mo
Today · 4.125%
HK$76,885
baseline
▲ 0.50% · 4.625%
HK$81,563
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,770/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,486
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,645
−HK$2,190/mo
Today · 4.125%
HK$84,835
baseline
▲ 0.50% · 4.625%
HK$89,306
+HK$4,471/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,670/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,406
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,031
−HK$2,668/mo
Today · 4.125%
HK$89,699
baseline
▲ 0.50% · 4.625%
HK$95,157
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,398/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,901
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,419
−HK$2,555/mo
Today · 4.125%
HK$98,974
baseline
▲ 0.50% · 4.625%
HK$104,191
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,948/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,522
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,897
−HK$3,430/mo
Today · 4.125%
HK$115,327
baseline
▲ 0.50% · 4.625%
HK$122,344
+HK$7,017/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,654/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,729
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,967
−HK$3,285/mo
Today · 4.125%
HK$127,252
baseline
▲ 0.50% · 4.625%
HK$133,960
+HK$6,708/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,504/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,699 · Scale 2, in force from 26 Feb 2026)