LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,304
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,906/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,986
+HK$3,900/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,887
−HK$1,826/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$74,440
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,365
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,616
−HK$2,287/mo
Today · 4.125%
HK$76,903
baseline
▲ 0.50% · 4.625%
HK$81,583
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,806/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,506
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,665
−HK$2,190/mo
Today · 4.125%
HK$84,855
baseline
▲ 0.50% · 4.625%
HK$89,328
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,710/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,426
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,052
−HK$2,668/mo
Today · 4.125%
HK$89,720
baseline
▲ 0.50% · 4.625%
HK$95,180
+HK$5,460/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,440/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,923
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,442
−HK$2,556/mo
Today · 4.125%
HK$98,998
baseline
▲ 0.50% · 4.625%
HK$104,216
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,996/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,548
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,924
−HK$3,431/mo
Today · 4.125%
HK$115,355
baseline
▲ 0.50% · 4.625%
HK$122,374
+HK$7,019/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,710/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,758
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$123,997
−HK$3,286/mo
Today · 4.125%
HK$127,283
baseline
▲ 0.50% · 4.625%
HK$133,992
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,566/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,969 · Scale 2, in force from 26 Feb 2026)