LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,295
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,906/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,974
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,152/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,077
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,876
−HK$1,825/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$74,428
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,353
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,604
−HK$2,287/mo
Today · 4.125%
HK$76,891
baseline
▲ 0.50% · 4.625%
HK$81,569
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,782/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,492
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,651
−HK$2,190/mo
Today · 4.125%
HK$84,841
baseline
▲ 0.50% · 4.625%
HK$89,313
+HK$4,472/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,682/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,412
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,038
−HK$2,668/mo
Today · 4.125%
HK$89,706
baseline
▲ 0.50% · 4.625%
HK$95,164
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,412/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,908
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,426
−HK$2,555/mo
Today · 4.125%
HK$98,981
baseline
▲ 0.50% · 4.625%
HK$104,199
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,962/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,530
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,906
−HK$3,430/mo
Today · 4.125%
HK$115,336
baseline
▲ 0.50% · 4.625%
HK$122,354
+HK$7,018/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,672/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,739
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,977
−HK$3,285/mo
Today · 4.125%
HK$127,262
baseline
▲ 0.50% · 4.625%
HK$133,970
+HK$6,708/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,524/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,786 · Scale 2, in force from 26 Feb 2026)