LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,299
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,175
−HK$1,905/mo
Today · 4.125%
HK$64,080
baseline
▲ 0.50% · 4.625%
HK$67,979
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,160/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,881
−HK$1,825/mo
Today · 4.125%
HK$70,706
baseline
▲ 0.50% · 4.625%
HK$74,433
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,412/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,359
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,610
−HK$2,286/mo
Today · 4.125%
HK$76,896
baseline
▲ 0.50% · 4.625%
HK$81,575
+HK$4,679/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,792/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,498
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,657
−HK$2,190/mo
Today · 4.125%
HK$84,847
baseline
▲ 0.50% · 4.625%
HK$89,320
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,694/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,419
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,044
−HK$2,668/mo
Today · 4.125%
HK$89,712
baseline
▲ 0.50% · 4.625%
HK$95,171
+HK$5,459/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,424/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,915
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,434
−HK$2,555/mo
Today · 4.125%
HK$98,989
baseline
▲ 0.50% · 4.625%
HK$104,207
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,978/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,538
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,914
−HK$3,430/mo
Today · 4.125%
HK$115,344
baseline
▲ 0.50% · 4.625%
HK$122,363
+HK$7,019/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,688/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,748
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,986
−HK$3,285/mo
Today · 4.125%
HK$127,271
baseline
▲ 0.50% · 4.625%
HK$133,980
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,542/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,868 · Scale 2, in force from 26 Feb 2026)