LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,311
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,188
−HK$1,906/mo
Today · 4.125%
HK$64,094
baseline
▲ 0.50% · 4.625%
HK$67,993
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,188/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,895
−HK$1,826/mo
Today · 4.125%
HK$70,721
baseline
▲ 0.50% · 4.625%
HK$74,449
+HK$3,728/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,442/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,374
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,625
−HK$2,287/mo
Today · 4.125%
HK$76,912
baseline
▲ 0.50% · 4.625%
HK$81,592
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,824/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,515
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,674
−HK$2,191/mo
Today · 4.125%
HK$84,865
baseline
▲ 0.50% · 4.625%
HK$89,338
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,730/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,063
−HK$2,668/mo
Today · 4.125%
HK$89,731
baseline
▲ 0.50% · 4.625%
HK$95,191
+HK$5,460/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,462/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,934
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,454
−HK$2,555/mo
Today · 4.125%
HK$99,009
baseline
▲ 0.50% · 4.625%
HK$104,228
+HK$5,219/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$198,018/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,561
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,938
−HK$3,430/mo
Today · 4.125%
HK$115,368
baseline
▲ 0.50% · 4.625%
HK$122,388
+HK$7,020/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,736/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,773
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,012
−HK$3,286/mo
Today · 4.125%
HK$127,298
baseline
▲ 0.50% · 4.625%
HK$134,008
+HK$6,710/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,596/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,101 · Scale 2, in force from 26 Feb 2026)