LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,306
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,182
−HK$1,906/mo
Today · 4.125%
HK$64,088
baseline
▲ 0.50% · 4.625%
HK$67,987
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,176/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,090
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,889
−HK$1,825/mo
Today · 4.125%
HK$70,714
baseline
▲ 0.50% · 4.625%
HK$74,442
+HK$3,728/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,428/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,618
−HK$2,287/mo
Today · 4.125%
HK$76,905
baseline
▲ 0.50% · 4.625%
HK$81,585
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,810/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,508
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,667
−HK$2,190/mo
Today · 4.125%
HK$84,857
baseline
▲ 0.50% · 4.625%
HK$89,330
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,714/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,428
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,055
−HK$2,668/mo
Today · 4.125%
HK$89,723
baseline
▲ 0.50% · 4.625%
HK$95,182
+HK$5,459/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,446/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,926
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,445
−HK$2,555/mo
Today · 4.125%
HK$99,000
baseline
▲ 0.50% · 4.625%
HK$104,219
+HK$5,219/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$198,000/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,551
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,927
−HK$3,431/mo
Today · 4.125%
HK$115,358
baseline
▲ 0.50% · 4.625%
HK$122,377
+HK$7,019/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,716/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,762
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$124,000
−HK$3,286/mo
Today · 4.125%
HK$127,286
baseline
▲ 0.50% · 4.625%
HK$133,995
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,572/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,998 · Scale 2, in force from 26 Feb 2026)