LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,304
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,179
−HK$1,906/mo
Today · 4.125%
HK$64,085
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,900/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,170/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,087
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,886
−HK$1,826/mo
Today · 4.125%
HK$70,712
baseline
▲ 0.50% · 4.625%
HK$74,439
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,424/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,364
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,615
−HK$2,287/mo
Today · 4.125%
HK$76,902
baseline
▲ 0.50% · 4.625%
HK$81,582
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,804/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,505
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,664
−HK$2,190/mo
Today · 4.125%
HK$84,854
baseline
▲ 0.50% · 4.625%
HK$89,327
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,708/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,425
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,051
−HK$2,668/mo
Today · 4.125%
HK$89,719
baseline
▲ 0.50% · 4.625%
HK$95,178
+HK$5,459/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,438/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,922
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,441
−HK$2,555/mo
Today · 4.125%
HK$98,996
baseline
▲ 0.50% · 4.625%
HK$104,215
+HK$5,219/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,992/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,547
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,923
−HK$3,430/mo
Today · 4.125%
HK$115,353
baseline
▲ 0.50% · 4.625%
HK$122,372
+HK$7,019/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,706/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,757
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,996
−HK$3,285/mo
Today · 4.125%
HK$127,281
baseline
▲ 0.50% · 4.625%
HK$133,990
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,562/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,955 · Scale 2, in force from 26 Feb 2026)