LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,292
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,168
−HK$1,905/mo
Today · 4.125%
HK$64,073
baseline
▲ 0.50% · 4.625%
HK$67,972
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,146/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,075
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,874
−HK$1,825/mo
Today · 4.125%
HK$70,699
baseline
▲ 0.50% · 4.625%
HK$74,425
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,398/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,351
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,602
−HK$2,286/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$81,566
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,490
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,648
−HK$2,190/mo
Today · 4.125%
HK$84,838
baseline
▲ 0.50% · 4.625%
HK$89,310
+HK$4,472/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,676/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,409
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,668/mo
Today · 4.125%
HK$89,703
baseline
▲ 0.50% · 4.625%
HK$95,161
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,406/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,905
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,555/mo
Today · 4.125%
HK$98,978
baseline
▲ 0.50% · 4.625%
HK$104,195
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,956/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,526
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,902
−HK$3,430/mo
Today · 4.125%
HK$115,332
baseline
▲ 0.50% · 4.625%
HK$122,350
+HK$7,018/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,664/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,735
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,973
−HK$3,285/mo
Today · 4.125%
HK$127,258
baseline
▲ 0.50% · 4.625%
HK$133,965
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,516/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,747 · Scale 2, in force from 26 Feb 2026)