LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,329
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,205
−HK$1,907/mo
Today · 4.125%
HK$64,112
baseline
▲ 0.50% · 4.625%
HK$68,013
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,224/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,115
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,915
−HK$1,826/mo
Today · 4.125%
HK$70,741
baseline
▲ 0.50% · 4.625%
HK$74,470
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,482/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,395
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,647
−HK$2,287/mo
Today · 4.125%
HK$76,934
baseline
▲ 0.50% · 4.625%
HK$81,616
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,868/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,538
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,698
−HK$2,192/mo
Today · 4.125%
HK$84,890
baseline
▲ 0.50% · 4.625%
HK$89,364
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,780/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,460
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,088
−HK$2,669/mo
Today · 4.125%
HK$89,757
baseline
▲ 0.50% · 4.625%
HK$95,218
+HK$5,461/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,514/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,961
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,481
−HK$2,557/mo
Today · 4.125%
HK$99,038
baseline
▲ 0.50% · 4.625%
HK$104,258
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,076/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,592
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,970
−HK$3,432/mo
Today · 4.125%
HK$115,402
baseline
▲ 0.50% · 4.625%
HK$122,424
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,804/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,808
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,048
−HK$3,286/mo
Today · 4.125%
HK$127,334
baseline
▲ 0.50% · 4.625%
HK$134,046
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,668/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,426 · Scale 2, in force from 26 Feb 2026)