LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,328
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,907/mo
Today · 4.125%
HK$64,111
baseline
▲ 0.50% · 4.625%
HK$68,012
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,222/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,114
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,914
−HK$1,826/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$74,469
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,393
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,645
−HK$2,288/mo
Today · 4.125%
HK$76,933
baseline
▲ 0.50% · 4.625%
HK$81,614
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,866/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,537
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,697
−HK$2,191/mo
Today · 4.125%
HK$84,888
baseline
▲ 0.50% · 4.625%
HK$89,363
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,776/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,459
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,669/mo
Today · 4.125%
HK$89,755
baseline
▲ 0.50% · 4.625%
HK$95,217
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,510/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,960
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,480
−HK$2,556/mo
Today · 4.125%
HK$99,036
baseline
▲ 0.50% · 4.625%
HK$104,256
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,072/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,590
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,968
−HK$3,432/mo
Today · 4.125%
HK$115,400
baseline
▲ 0.50% · 4.625%
HK$122,421
+HK$7,021/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,800/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,805
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,045
−HK$3,287/mo
Today · 4.125%
HK$127,332
baseline
▲ 0.50% · 4.625%
HK$134,044
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,664/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,405 · Scale 2, in force from 26 Feb 2026)