LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,295
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,171
−HK$1,905/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,975
+HK$3,899/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$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,078
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$1,825/mo
Today · 4.125%
HK$70,702
baseline
▲ 0.50% · 4.625%
HK$74,429
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,404/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,354
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$2,287/mo
Today · 4.125%
HK$76,892
baseline
▲ 0.50% · 4.625%
HK$81,570
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,784/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,494
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,652
−HK$2,190/mo
Today · 4.125%
HK$84,842
baseline
▲ 0.50% · 4.625%
HK$89,315
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,684/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,414
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,039
−HK$2,668/mo
Today · 4.125%
HK$89,707
baseline
▲ 0.50% · 4.625%
HK$95,165
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,414/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,909
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,428
−HK$2,555/mo
Today · 4.125%
HK$98,983
baseline
▲ 0.50% · 4.625%
HK$104,200
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,966/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,532
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,908
−HK$3,430/mo
Today · 4.125%
HK$115,338
baseline
▲ 0.50% · 4.625%
HK$122,356
+HK$7,018/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,676/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,740
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,979
−HK$3,285/mo
Today · 4.125%
HK$127,264
baseline
▲ 0.50% · 4.625%
HK$133,972
+HK$6,708/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,528/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,801 · Scale 2, in force from 26 Feb 2026)