LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,321
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,198
−HK$1,906/mo
Today · 4.125%
HK$64,104
baseline
▲ 0.50% · 4.625%
HK$68,004
+HK$3,900/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,208/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,107
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,906
−HK$1,826/mo
Today · 4.125%
HK$70,732
baseline
▲ 0.50% · 4.625%
HK$74,461
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,464/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,385
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,637
−HK$2,288/mo
Today · 4.125%
HK$76,925
baseline
▲ 0.50% · 4.625%
HK$81,605
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,850/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,528
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,688
−HK$2,191/mo
Today · 4.125%
HK$84,879
baseline
▲ 0.50% · 4.625%
HK$89,353
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,758/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,450
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,077
−HK$2,668/mo
Today · 4.125%
HK$89,745
baseline
▲ 0.50% · 4.625%
HK$95,206
+HK$5,461/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,490/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,949
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,469
−HK$2,556/mo
Today · 4.125%
HK$99,025
baseline
▲ 0.50% · 4.625%
HK$104,245
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,050/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,578
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,956
−HK$3,431/mo
Today · 4.125%
HK$115,387
baseline
▲ 0.50% · 4.625%
HK$122,408
+HK$7,021/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,774/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,792
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,032
−HK$3,286/mo
Today · 4.125%
HK$127,318
baseline
▲ 0.50% · 4.625%
HK$134,029
+HK$6,711/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,636/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,282 · Scale 2, in force from 26 Feb 2026)