LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,308
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,184
−HK$1,906/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,990
+HK$3,900/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,092
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,892
−HK$1,825/mo
Today · 4.125%
HK$70,717
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$3,728/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,434/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,370
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,621
−HK$2,287/mo
Today · 4.125%
HK$76,908
baseline
▲ 0.50% · 4.625%
HK$81,588
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,816/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,511
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,670
−HK$2,191/mo
Today · 4.125%
HK$84,861
baseline
▲ 0.50% · 4.625%
HK$89,334
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,722/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,432
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,058
−HK$2,668/mo
Today · 4.125%
HK$89,726
baseline
▲ 0.50% · 4.625%
HK$95,186
+HK$5,460/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,452/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,929
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,449
−HK$2,555/mo
Today · 4.125%
HK$99,004
baseline
▲ 0.50% · 4.625%
HK$104,223
+HK$5,219/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$198,008/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,555
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,932
−HK$3,430/mo
Today · 4.125%
HK$115,362
baseline
▲ 0.50% · 4.625%
HK$122,382
+HK$7,020/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,724/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,766
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,005
−HK$3,286/mo
Today · 4.125%
HK$127,291
baseline
▲ 0.50% · 4.625%
HK$134,001
+HK$6,710/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,582/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,043 · Scale 2, in force from 26 Feb 2026)