LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,309
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,185
−HK$1,906/mo
Today · 4.125%
HK$64,091
baseline
▲ 0.50% · 4.625%
HK$67,991
+HK$3,900/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,182/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,093
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,892
−HK$1,826/mo
Today · 4.125%
HK$70,718
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,436/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,371
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,622
−HK$2,287/mo
Today · 4.125%
HK$76,909
baseline
▲ 0.50% · 4.625%
HK$81,589
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,818/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,512
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,671
−HK$2,190/mo
Today · 4.125%
HK$84,861
baseline
▲ 0.50% · 4.625%
HK$89,335
+HK$4,474/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$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,432
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,059
−HK$2,668/mo
Today · 4.125%
HK$89,727
baseline
▲ 0.50% · 4.625%
HK$95,187
+HK$5,460/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,454/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,930
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,449
−HK$2,556/mo
Today · 4.125%
HK$99,005
baseline
▲ 0.50% · 4.625%
HK$104,224
+HK$5,219/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$198,010/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,556
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,933
−HK$3,430/mo
Today · 4.125%
HK$115,363
baseline
▲ 0.50% · 4.625%
HK$122,383
+HK$7,020/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,726/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,767
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,006
−HK$3,286/mo
Today · 4.125%
HK$127,292
baseline
▲ 0.50% · 4.625%
HK$134,002
+HK$6,710/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,584/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,053 · Scale 2, in force from 26 Feb 2026)